BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Since 2002 up until the current time I have had dispute not honored which should be reviewed as well as the mortgage the overdraft fees and all other things that I can't seem to get from them I do have two dispute that as they sent me that were overturned but there is so much more than I'm eligible for as far as class action suits against them please help me get the information I need. We know Wells Fargo doesn't play fair and they're not playing fair with me now I want any and all kind of civil action suits against Wells Fargo which I am clearly eligible for in quite a few

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 2023-10-03
Company: TMX Finance LLC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2023, I made a online payment of {$73.00} to Titlemax. I then went to the store located at XXXX XXXX XXXX, XXXX, XXXX. I made a cash payment of {$550.00}, The amount due was {$620.00}, which is what my payments totaled, My payment was not due until XX/XX/XXXX. A few days later I started to get calls from Titlemax, I told them that I already made my payment. The manager wanted to know when did I make it. I informed him that it was made on XX/XX/2023. He then informs me that my signature didn't go through. I asked him to stop calling me. I had made my payment on time. The calls continued. I then went to the store, receipts in hand. He again tells me that my signature didn't go through. I again asked that they stop calling me. I have received calls on a daily basis. I called again and asked that they stop calling me. The young lady that I spoke with said that she would note this to my account. The calls continue on a daily basis. I went again to the store and spoke again to the manager. I told him to stop calling me. I told him to stop harassing me. He left a voicemail threatening to take my vehicle. He said it was an IT issue. He then tries to pressure me into making another payment. This was XX/XX/XXXX. I told him I would not make XXXX payments in XXXX month. He said that's not XXXX payments in XXXX month. I told him absolutely not. He did this XXXX times. I told him that I would file a complaint. He said I can not in the state of Alabama. I told him that I can, and I will. The calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2023-06-05
Company: EQUIFAX, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
Equifax has several accounts that are not mine listed and will not remove them. XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I would like these accounts removed they are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.

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 2019-06-24
Company: Experian Information Solutions 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:
*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following  accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with XXXX XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX XXXX. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

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 2022-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called XXXX, XXXX and Experian for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.

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 2023-09-22
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Vanilla gift card XXXX XXXX case XXXX XXXXXXXX I just opened ( see picture ) a gift card from XXXX ( purchased at XXXX ) and the balance was XXXX. When I put in the card number and information, it showed it was activated and used for XXXX, I did not make or authorize this purchase and never heard of XXXX. I XXXX XXXX and nothing was found online, this is not a company or merchant!! I have requested a new card with {$100.00}. 

I called the customer service line and spoke with a person, he opened my case and told me to submit the attached documents. I am attaching the front and back of the visa card I just opened TONIGHT and my DL to open the investigation. Once the investigation was opened I tried to put in the card information to get the details for the account and the card is inactive so I don't have the details on the fraudulent transaction. I XXXX  vanilla fraudulent changes and this seems to be a common problem I didn't see the results that most of the complaints were resolved by returning the stolen funds. 

This was a gift card and I wasn't given the receipt but I will ask my daughter to attempt to find the receipt or get the transaction register from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of 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 2023-09-22
Company: U.S. BANCORP
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
US Bank linked my brothers checking account to my mortgage account for payments. My name is the only one on that mortgage. This is a data breach. They never could explain how this happened or why.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2023-09-22
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-16
Company: CITIBANK, N.A.
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: Problem with rewards from credit card

Complaint:
I applied online and was approved for the below offer. 

Earn 65,000 XXXX XXXX XXXX bonus miles and rewards on business expenses Bonus miles earned after {$4000.00} in purchases within the first 4 months of account opening Annual fee {$99.00}, waived for the first 12 months I received the business card and called to activate it. When I spoke to the activation customer service rep over the phone I asked for her to confirm the sign up bonus. She said if I spend {$4000.00} within the first 4 months I will receive 65,000 XXXX XXXX XXXX miles. So I agreed and requested her to activate my account now that the sign up bonus was confirmed. 

I then spent over {$4000.00} on the card within the first couple months. I waited 2 billing cycles and never received the sign up bonus points of 65,000 miles. 

I called in and spoke with 4 reps for over 3 hours. I was told the reason I will not get the sign up bonus points is because I had this same card within the last 2 years. I explained that even if that was the case, that is not what I was told when I activated the card, and they need to honor the rewards because their activation rep told me if I spent {$4000.00} i would receive the 65,000 miles. They just reiterated their rules and regulations, and said all they could do is give me 5,000 points. I wanted to file this complaint before I closed the card to see if someone from the executive team can reach out to me and honor the 65,000 miles since i was told during the activation call that I have a sign up bonus rewards connected to this account if I spent {$4000.00} in 4 months I would get 65,000 points. I never would have spent over {$4000.00} on this credit card had I known there wouldn't be the sign up bonus, but I wasn't told that I was told there is a sign up bonus connected to my business card.

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 2021-10-20
Company: Home Point Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021 we contacted the Home Point Mortgage call center to request a payoff quote. We received the information with the amount and had them work out an adjusted the automatic monthly payment drawn directly from our checking account from our normal monthly payment to the payoff amount. On XX/XX/2021 the automatic payment was received by Home Point for the agreed payoff amount and it was recorded on the company website as received and posted on XX/XX/XXXX. The statement showed the normal contractual monthly payment of {$2500.00} as well as an additional principal payment on hold for {$1000.00} to cover the remaining principal and final fees. The statement also showed a principal balance due ( after the final payment was received of {$970.00} ). We called the mortgage company and were told that they were required to wait 10 business days to insure/confirm receipt. We called on the 10th business day and the mortgage still showed a balance of {$970.00} due and an upcoming XXXX billing for {$2500.00}. The money has been out of our account and received by Home Point Mortgage since XX/XX/XXXX and they have now exceeded the 10 business day period and have still not shown the mortgage satisfied with a {$0.00} balance. In addition I fully expect to get a bill on XX/XX/XXXX for the normal monthly payment. There is no reason for it to take 10 business days to confirm and settle a payment given current electronic fund transfer technology as that confirmation can be done in hours if not minutes. To add insult to injury today we received an email from Home Point with instruction to payoff the final balance of {$1000.00} by XXXX XXXX. This is beyond frustrating since they have had this final payment since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights. 1 5 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 ins tructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I agreed foXXXX XXXX XXXX XXXX XXXX XXXX XXXX to initiate a {$3500.00} payment to my CitiBank/AT & T ( Universal Card ), to bring that balance down to {$450.00}. ( Now {$0.00} ) XXXX honored the agreement for a {$170.00} fee and sent CitiBank {$3500.00} to be charged to my XXXX XXXX with XXXX 0 % interest. Thus, my XXXX XXXX had a new Balance of {$3600.00}. XXXX reported the New XXXX Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the CitiBank/AT & T Card half of the transaction, which left hidden the {$3500.00} lower balance in the CitiBank Card and didn't report a 20.1 % LOWER CitiBank Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point XXXX Score and somehow, a minus XXXX Point CitiBank/AT & T Score . The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a CitiBank promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the XXXX offer to reduce my {$3900.00} balance to ~ {$0.00}. Then CitiBank chose to REDUCE my Credit Score XXXX points. Wait. What?

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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