BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXXXXXX XXXX XXXX  Not my account Victim of Fraud Identity theft Have contacted company

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 2018-09-13
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2018. 
{$970.00} I went to western union on XX/XX/2018, to send money to my sister they told her they were returning the money back, {$970.00}. When I called them I felt harrased from so many personal questions from them and they just told me without any explanation that I was banned from sending or receiving money from Western Union. I need an explanation because I've been a Customer for year 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns 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 2018-09-04
Company: American Financial Resources, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my 2nd complaint against American Financial Resources , Inc. within 4 months for the same problem. I received a notice in XXXX stating my escrow account was low and to either pay a full payment of {$750.00} to escrow or it would be added to my payment amount. I paid the full amount before the deadline. I got a new insurance policy at the end of XXXX, same terms with a cheaper premium. Sent in all of the required information within 2 days. Paying the full escrow amount and changing our insurance carrier reduced my overall payment amount. AFR did not make any changes to my account and I was forced to pay what they said so that I would not have any late payments on my credit report or even risk dealing with a foreclosure notice. After everything was finally updated in XXXX, AFR has still neglected to reimburse the overages paid. My last complaint stated to reimburse the overages of {$120.00} and pay directly to principal. I sent an email to customer service on XX/XX/XXXX and there has been no response. Nothing has been done.I am paying AFR more money by paying interest on a mortgage balance that is incorrect. Since it seems impossible for AFR to transfer the extra money to my principal balance, I want the overage sent to me either in a check or direct deposited back into the account in which it came from. If this is not done in a timely manner, I will be forced to hire an attorney and sue for damages. I have experienced nothing but problems since I was approved to buy my house. The application process is a drawn out joke and financing through American Financial Resources , Inc. is just the same. Customer Service Reps do not know what is going on but they will argue with you to the death. I had one lady argue with me to the point that she was actually screaming at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MD
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:
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 2023-05-07
Company: Prosper Marketplace, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an email from Propser that they pulled my XXXX XXXX  and XXXX score yet I never applied for a 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 2019-04-10
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This has been a rather arduous experience having to deal with a fraudulent payment for goods never received by an individual. This payment was remitted using US Bank 's transfer method of sending money via XXXX XXXX. Payment was sent on XX/XX/2019 in the amount of {$400.00} for auto parts which were to be mailed once the funds were successfully submitted. This is an individual whom I've never had dealings with aside from a few text messages specific to the part and costs. After successfully sending this payment, I never heard back from the receiver. It is now XX/XX/2019, two months later. Since then I've contacted US Bank and spoken to numerous staff members with the fraud and claims department. This first claim filed ( # XXXX ) was denied as it was improperly taken in as per my later findings. Subsequently, I contacted my local branch manager, XXXX at the XXXX XXXX XXXX, CA branch of US Bank. She then assisted in putting together a new claim for the same issue ( ref # XXXX ) on XX/XX/XXXX. As of my follow up call today to US Bank I am being told that this claim was once again denied. I called and spoke to the branch manager as well, and in short, this was her response to the matter as well. This is activity is fraud and the method of payment was fully followed based on the US Bank 's directions to send such payments. Subsequently, the bank has failed in honoring and doing the right thing by their customer largely due to lack of oversight within the process, in my opinion. I kindly request this amount paid by means as such be refunded back to my account accordingly. Thank you for listening. Loyal customer.

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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Transunion is reporting fraudulent addresses, accounts and inquiries on my credit report. This is my second request to have these things removed and I will resort to a consumer attorney to get this resolved. They are due to identity theft and it needs to be resolved ASAP.

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 2023-03-23
Company: EQUIFAX, INC.
State: VA
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:
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
So we had power home solar coming to our house selling us a solar system for our home that guaranteed that we would have 100 % solar. By doing this we were financed through good leap XXXX. I did not fill out an application. Somehow they did it through their tablets. I didn't sign an application for that amount of money. The only thing I got from Good leap was a good leap welcome package that described how much we would pay each month for the next. Some ridiculous monthly and yearly plan so power him solar when bankrupt and all of us who are with the solar panels and products are stuck paying these loans for a product that doesn't work. So most of us have stopped paying these loans because we're paying alone. Plus we're paying our electric bill and we didn't sign up for that. We signed up for a system that supposedly worked and what we were told and what it does is two different things. I'm sure you could look into it and you'll see what's going on with the power home solar the bankruptcy they went through and XX/XX/XXXX but anyway so I called good leap and I told them that I can't afford to pay a loan and my electric bill at the same time I didn't sign up for that. I signed up for 100 % solar. That's what I was told through the company. Well they paid power home solar in full before my system was even installed or was even checked after it was installed to work. So a lot of us are stuck with paying two bills, an electric bill, and a bill through their financial institution. It's not just goodly there's other institutions that are in with this XXXX XXXX XXXX XXXX So of course good leap wants us to pay the bill because we signed it which I understand. And I don't understand how we can pay this bill and paying an electric bill, especially now with everything that's going on in our country. With the prices that have doubled for electric, gas, oil, etc. I don't have to tell you what it's about. That's my complaint. Thank you for this time this loan was initially taken out for {$85000.00} and after it's paid is up to like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NC
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 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. 1. ) Account name : XXXX XXXX Account # : XXXX. 2. ) Account name : XXXX XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX  Account # : XXXX XXXX. ) Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX 5. ) Account XXXX : XXXX XXXX XXXX Account # : XXXX 6. ) Account Name : XXXX XXXX XXXX. Account # : XXXX XXXX. ) I XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account : XXXX. 9. ) Account Name : XXXX XXXX XXXX 11. ) Account Name : XXXX XXXX. 12. ) XXXX. XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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. 1681 s-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 explanation
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Last XXXX I was asked if I would like to have my Bank of America business Account looked at from a small business BOA banker who they said might be able to give me some insights as to what Bank of America could offer with my business account in the future. They set a meeting up with XXXX XXXX from Small Business Banking. We had a meeting about my business and what work it was doing. I told them that I was good Shape with my banking for now, but glad to know what the bank can offer down the road. I was sent to my office a remote deposit machine that I did not want. I did not open the box and told XXXX XXXX to come pick it up from my office because this is something that I will not use and never asked for. XXXX came a picked the machine up. I thought that this issue over. 

My CPA told me on XX/XX/2019 that my business checking account is being charged {$15.00} a moth for a remote deposit machine since XX/XX/2019. I went right to my BOA brach and reported this problem. They maid some phone calls and told me that I would need to talk to my small business banker XXXX XXXX. I returned to my office and called XXXX XXXX many time with no answer and I could not leave a message because his mailbox is full. I called BOA help line and was passed around and found out that a charge of {$250.00} would go against my account to stop the remote deposit machine charge. I did not ever want or even open the box for this machine and it was returned to BOA. During another call to BOA I was informed of XXXX XXXX 's Boss XXXX XXXX. I called XXXX right away, and left a message. Later that same day XXXX returned my call and informed me that he was going to take care of everything. 
One week went by and no phone call from XXXX or XXXX. I called both of them again. 
finally, I received a email from XXXX informing me that I needed to call the remote deposit team to take care of this problem. I responded to XXXX and told him that they needed to handle this by XX/XX/XXXX and put my money back into my account that they had taken without my permission. Today is XX/XX/XXXX, and no action or money is back in my account. This is deceptive, dishonest and abusive behavior of the bank. It is outrageous and absolutely unacceptable. If they are doing this to my business they must be doing it to all businesses. This is flat out stealing from the customer. I have spent so much time trying to resolve this issue with the bank, please help 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 monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, Collections : 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 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 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason 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 2023-03-23
Company: Alorica Inc.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I got a loan with XXXX and a portion of my loan was deposited to a savings account. I signed a contract with Seedfi stating I would receive the amount in my savings once I paid off my loan. Unfortunately XXXX sold my account to Systems and Services Technologies on XX/XX/XXXX. I paid off my loan on XX/XX/XXXX and My bank cleared the payment the next day. I was told by one of SST 's customer service representative my savings would be deposited in 14 days, another said 22 days and another one said on XX/XX/XXXX. I still have not received my savings and now another representative said I would would receive it on XX/XX/XXXX ( XXXX business days ). 
They sent me an email on XX/XX/XXXX stating my account was paid on XX/XX/XXXX which is not accurate and has me thinking they put a later date to delay depositing my savings. 

The following is information from my savings account statements provided by XXXX : My first statement Beginning Balance, as of XX/XX/XXXX : {$0.00} Deposits and Other Credits : {$2000.00} Ending Balance, as of XX/XX/XXXX : {$2000.00} My last statement Beginning Balance, as of XX/XX/XXXX : {$2000.00} Deposits and Other Credits : {$0.00} Ending Balance, as of XX/XX/XXXX : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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 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, has violated my rights. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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 2023-01-30
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This original debt was from XXXX XXXXXXXX XXXX XXXX It is now reporting as debt with NCB Management as a debt that is from XXXX  this false and all is inaccurate.

Company response to consumer: Closed with explanation