BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account close date as XX/XX/XXXX however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy and the last payment was made in XX/XX/XXXX. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed

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 2023-05-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXXXXXX XXXX  : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXXXXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX Equifax, and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-25
Company: CURO Intermediate Holdings
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: Account information incorrect

Complaint:
On my credit report it shows that I have a derogatory mark for non payment of a loan with a company named Speedy Cash that was opened on XX/XX/2019. I have disputed this issue with XXXX  as well as the company itself. This company is not licensed in the state of Illinois or the state of Indiana where I used to reside, I could not have obtained a loan from this company. This is negatively affecting my credit and I am trying to get it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday XX/XX/XXXX I looked at my online account in the morning and saw what my balance was. That afternoon I again looked at my online account and saw that the account information had disappeared, needless to say I was shocked. I did not understand what happened. I immediately callled SunTrust Bank customer number to find out what was wrong. I was told there was a hold on my checking account and I could not think of anything I did for the Bank to do that. The person I talked to told me to hold a minute and she came back on and told me that I had a joint account and that the other person ( XXXX XXXX ) was being investigated and the Bank put a hold on all his accounts. I had put him on for emergency conditions only. I trust him and didnt Know what to think. I then called XXXX at his work and told him he had better call the bank and find out what was going on. He did so and was told he was being investigated because of a check someone else tried to put in his account ( not mine ). He also was told he could not have a checking account with SunTrust again. That evening I met XXXX at the Bank after he got off work. We then talked to a man that worked at the customer desk. He could not tell us much except he said that my account was being closed because of XXXX name being a joint account but that my standing with the Bank was good and I could start another checking with Sun Trust once the investigation was over. I could not get a time line on when that might be. I have been a customer of SunTrust since 1988 with no problems and I can not understand why they are treating me this way. XXXX name has been on my account at least 12 years with no problems. 
The Bank can see where the money I had in the bank came from as it mostly came from my Social Security check, paycheck and a little money from XXXX for rest of his rent. I think it is terrible what they have done as what am I suppose to do for food, pay bills and a lease. Actually this is a form of ELDER ABUSE as I am XXXX XXXX XXXX. I am going to file charges against SunTrust fraud department for Elder Abuse. Dont know if I will get anywhere but I might as well try.

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 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I, On XX/XX/XXXX, received confirmation that my account from capital one ending in XXXX has officially been paid off in full. I also have received notice that the account will be resolved, however, I have yet to see any changes occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-24
Company: BARCLAYS BANK DELAWARE
State: DE
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:
XX/XX/2022 To Whom It May Concern : Charges have been wrongly charged to my account by the same merchant - 27 charges totaling {$12000.00}. 

The Fraud department stated that the Dispute department needs to fix this. 

The Dispute department told me that they could not help me because the ''case numbers need to be reopened ''. 

I was instructed by the Dispute department at Barclays to ask that someone please reopen the following case numbers so that each of these charges can be submitted for dispute. 

I have been trying for 2 months to get this resolved and my bill is due for {$12000.00} in 20 days. Please someone help me remedy this. 

There are 22 case numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please dont hesitate to contact me with any questions. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 monetary relief
Consumer complaint received 2022-05-24
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How did you get my personal information? Who and what gave you the rights to violate my rights to privacy as a federally protected consumer? And Are you aware of the laws youre in violation of by getting an federally protected consumer personal information without consent? Now Im giving you this one opportunity Firstsource Advantage LLC to explain yourself and answer every question mentioned above. Failure to comply will result in fines. Best regards! And the best of luck!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX my lease agreement with the U.S. Bank NA has expired, and I paid off my outstanding contract obligations as well as the associated Sales Tax amount. On closing of the account, the U.S. Bank NA ( tax ID XXXX ) has issued a check for the amount of Sales Tax payable to the New York State Department of Motor Vehicles. I have then deposited that check during title processing with the NYS DMV and was issued a new title for the vehicle. 

On XX/XX/XXXX the NYS Department of Motor Vehicles informed me via a written letter that the sales tax check issued by the U.S. Bank NA was returned unpaid. I was also informed that a ) a new payment is needed from me ; AND b ) the new amount due now includes a penalty for the dishonored check ; AND c ) my driver 's license will be suspended unless the total payment is received. 

Since the moment I received the above letter, I attempted to discuss the situation with the U.S. Bank NA multiple times without any success : 1. Phone calls made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 

2. Has been rerouted between multiple departments and spoke to the agents in each one : - XXXX ( customer support ) - XXXX ( lease end ) - XXXX ( lease maturity ) - XXXX ( banking ) 3. As advised on the phone, communicated the full history and provided supporting documents via fax/email : - XXXX ( customer service fax? ) - XXXX ( titling department fax - twice! ) - XXXX ( customer service manager? ) At no time has anyone contacted me from the U.S. Bank to update me on the status or with any questions. All the conversations were initiated from my side. 

As of this point, after wasting numerous hours on the phone discussing the same problem over and over, I was informed by the agent and her manager on XX/XX/XXXX that a request was sent to the " back office '' 5 days ago, that no response has been received, that it's not clear when a response will be received, and that there is nothing else anyone can do until the back office '' responds. 

Based on the above, my conclusion is that the U.S. Bank has either intentionally withheld the sales tax money they received as intermediary and fraudulently issued an invalid check, OR that the U.S. Bank is a highly dysfunctional institution, incapable of providing customer service at a reasonable level.

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 2023-07-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a victim of fraud. Recently this year I was a victim of identity theft as well and I reported it. Recently on XX/XX/2023 someone started stealing my money from me, until XXXX XXXX. In total they took XXXX from me. Everything they bought was from a crypto website, and XXXX XXXX. I reported it to my bank ( Wells Fargo ) but they closed the case because someone verified as me.

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 2021-12-02
Company: Selene Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have lived in my home for the past XXXX years. I am divorced and have remained in the home with my children. I plan to continue to live in this house with my children. My divorce was in XXXX and the mortgage is still in his name. I was supposed to refinance but because of the divorce had some financial struggles and had to declare bankruptcy. Because my ex and I are on good terms this hasn't been an issue. I have paid the mortgage monthly. Until COVID 19 happened. At that time my business shut down. I made no money. My mortgage was being serviced through XXXX at the time of the the initial global shut down-XX/XX/XXXX. They were super nice and we spoke monthly about my financial situation. My mortgage was then sold to Selene Finance and when that happened everything changed. They would no longer speak to me ... because I was not listed on the mortgage... even though I was approved with XXXX to speak on behalf of the mortgage. My ex-husband emailed them XXXX times and we never would hear anything from them. When we would reach back out they would say that they never got any such notice from him. When my financial situation changed, which it now has, Selene wouldn't take money from me. They returned money orders sent to them and will not allow me to discuss a payment plan, even though I live in the home and am the one who pays the mortgage every month. 
My financial situation has improved and I am now able to make my payments, but they wont take my money and will only consider any sort of payment plan if it's applied for by my ex-husband. He is not the one having the financial hardship though, I am. So, my only option right now is to pay the entire amount of the last year 's mortgage at once... which I can't do. Why can't they work out a payment plan with me and use my financial information as the basis for the hardship. They will see that I am now in a situation to pay going forward... I just can't come up with XXXX in a week!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for XXXX. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any XXXX loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more 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 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ) states : 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 explanation
Consumer complaint received 2021-12-02
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 Cooling and Winter place a claim with the Magistrate Court of XXXX XXXX for a debt that I have no knowledge of. They claim that I am breach of a written agreement. I never receive the initial demand letter giving me the ability to dispute te debt and request validation. I have not been present with a copy of the signed agreement. Per my right under the FDCP I am requesting a validation of debt. I requesting validation of debt by providing a copy of the signed agreement. If unable to provide the copy of the signed agreement within the alloted time provide under the FDCPA, the debt must be consider invalid.

Company response to consumer: Closed with explanation