BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reached out to TransUnion Consumer Agency on XX/XX/XXXX about some inaccurate reporting that had been reporting on my consumer report, One of the disputes were the fraudulent inquiries that had been reported on my consumer report, Every inquirer that is not tied to an account is not authorized by me and did not sign for ( XXXX XXXX, and XXXX ) and unlawful Late Payment Reporting Cornell Law states 15 USC 1681A ( 2 ) ( a ) ( i ) Transactions are not part of a Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, XXXX XXXX| Account XXXX XXXX | Date opened : XX/XX/XXXX, XXXX Late Payment Reported XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX  XXXX | Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and the last Dispute was about 2 Charged-Off alleged XXXX XXXXXXXX Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) that are canceled debt and According to IRS, Debt that you owe that has been canceled, forgiven, or discharged becomes taxable income from the lender that forgave the debt and should receive a ( Cancelation of Debt form 1099C ) it is now gross income and Income is not part of anyone 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 2023-03-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/24, I received a call from the Wells Fargo fraud department telling me they were verifying a {$110.00} charge on my debit card. I never use this card for purchases and I said it was a bad charge. I provided info on my debit card, including number and pin. This turned out to be a scam but I didn't realize it. The next morning, I checked my account to be sure the {$110.00} was not there, only to find a charge in XXXX for {$2500.00}. I called the WF fraud dept immediately. They provided a provisional credit. They now are saying it is a permanently closed claim and I am responsible for the money because I provided the acct # and pin. 

Obviously, this was a terrible mistake which I realized after the fact. I am a XXXX XXXX XXXX widow, have never made a purchase on this card, and have not informed WF of being out of the country, have never been to XXXX and know no one there. This charge should have been picked up initially with a phone call verifying a large charge on a card that I have owned for years and never used except as an ATM transaction. 

Their regs indicate that I have zero liability if there is stolen activity for unauthorized transactions. The account info was stolen in a scam call and I never authorized the use of my account. The letter from WF ( included as an attachment ) indicates the charge was made by me or someone who had my permission, patently false. 

WF has said they will not re-open the case. I need your help to resolve this situation where I, a consumer was scammed, and the bank is calling the result of the scam an authorized transaction.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
False reporting on file

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 2023-09-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCT # XXXX This account is reporting inaccurate information on my credit report. I have attached supporting documents below.

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 2023-08-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to SLS from XXXX XXXX in XX/XX/2023 while I was in the middle of a loan deferent forbearance due to a FEMA declared natural disaster Hurricane Ian. SLS was supposed to honor the prior lenders agreement with me, but I am seeing that there is a derogatory rating from SLS on my credit report of 180 day late payments in XXXX & XX/XX/2023. I was told my multiple employees from SLS that no payment was required and that payments would not be reported as late or past due. The online payment portal wouldn't even allow a payment to be made. I have disputed the transactions with each of the 3 credit bureaus and have contacted SLS regarding the issue.

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 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: OH
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 am disputing a credit issue related to my Truist Mortgage Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, Truist issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by Truist 's payment system, causing two delinquent payments- one in XXXX and XXXX in XXXX of 2023 - for the amount of {$2400.00}. 

Despite Truist 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

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 2023-03-16
Company: Regional Management Corporation
State: SC
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:
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-16
Company: Experian Information Solutions Inc.
State: AL
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-03-16
Company: Early Warning Services, LLC
State: AL
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:
I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and XXXX reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To whom it may concern, Goldman sacks credit card for apple. 
Refuses to provide correct statements regarding transactions, I was charged for items that were already fully paid off. Ive been calling them for 3 months now with no solution. No one knows what is happening. 

They are constantly changing my current balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: Nelson Cruz & Associates LLC
State: SC
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:
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
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:
Due to various companies sharing my information I have been targeted by various companies, and it is starting to affect my personal life and safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: FL
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 reached out to the bureaus about this debt being reported on my credit report. It is reflecting as a delinquent account from XXXX XXXX  I no longer owe this debt. All obligations have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: AL
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've disputed the status of an account multiple times with Equifax. I've also submitted bankruptcy information proving the account was included in bankruptcy. The account is an installment account for XXXX XXXX. 
XXXX - Blank Status XXXX - Changed to " Collection ''.. The account was never in Collection XXXX- Added a comment " 180days or more past due '' The comments and status updates have hurt my credit score. Both the status and comments are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Amsher Collection Services, 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:
amsher collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX  alabama XXXX illegally and unethically accessed my credit reports that are frozen and fraud alerted. this is illegal and unethical activity and violates Alabama and florida and federal law. Stay the XXXX out of my credit reports or be sued and prosecuted! amsher collections is reported to the CFPB, alabama attorney general, fl attorney general, FTC and law enforcement AND the XXXXXXXX XXXX  and the XXXX for illegally accessing my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Unknown inquiry was made as detailed below. In addition, my children and I received phone calls from unknown numbers/scammers trying to get my personal information. 

XXXX XXXX  XXXX XXXX recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 
Source : Experian Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( 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 2016-03-06
Company: Nicholas Financial Inc.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have paid for this Auto loan as agreed for the past 3 years. The automobile I purchased had a history of trouble I expressed this with the fianc company and ask that they would re negotiate the contacts due to lack of use of the vehicle. Although I had this vehicle for 3 years I never put over XXXX miles on it because of the condition of the vehicle. The price of the vehicle has doubled from the original purchase price. As a consumer I feel very cheated and the company in question has made no attempt to help me with this problem

Company response to consumer: Closed
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: GA
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:
Equifax remains in violation of 15 U.S.C. 1681g. The information concerning the XXXX XXXX  also known as XXXX XXXX XXXX account as " XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION '' is reporting as inaccurate, false, and incorrect. 1 ) Statute violation : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ). XXXXXXXX XXXX does not appear anywhere on my credit report as a creditor, original creditor, default, charge-off, or past due. There is no contractual agreement between myself and XXXXXXXX XXXX  currently existing to support any past due amount owed for Collections. 2 ) Statute violation : FCRA Section 611 ( a ) ( 1 ). XXXX XXXX failed to contact me to notify me that XXXX  XXXX  turned over an account to collections before reporting this information on my credit report. 3 ) Violation of FDCPA Section 809 ( a ). The XXXX XXXX account should be deleted from my consumer credit report for lack of verification, no previous creditor relationship, reporting of inaccurate information, and failure to notify. 4 ) Statute violation : 15 U.S.C. 1692g. I hereby dispute XXXX  XXXX  as my original creditor. There is no contractual agreement between myself and XXXX  XXXX  currently existing to support any past due amount owed for Collections. All information reported on my credit report must be accurate and up-to-date or immediately deleted. This is a demand to immediately delete all inaccurate, false, and incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is a continuance of issues as this is now my second time having my funds placed on hold with my merchant account XXXX XXXX XXXX XXXX ; email : XXXX. On XX/XX/2023 I confirmed and marked as complete three transactions with my merchant account on PayPal for {$55.00}, {$190.00}, {$250.00}. All of these transactions were immediately placed on hold without being provided a clear reason as to why. The message I read on the site said it may take up to 21 days for the funds to be released. Upon trying to remove the hold on the site it stated that I needed to provide tracking information or a shipping label for these transactions which is a violation of several Federal laws. PayPal is only a payment processor for my merchant account and I do not have any contract or fiduciary responsibility requiring me to disclose that information to PayPal. Additionally, there is no way or a need to provide a tracking number or shipping label if the transactions were for a service. I reached out to customer service and asked for my funds to be immediately released. The agent released only one of the transactions of {$55.00} and stated I had to wait for the additional funds to be released. I provided confirmation that the transactions have been completed and my funds should be released immediately. As of XX/XX/2023 I have not received a response back from the customer service agent XXXX. PayPal has breached their fiduciary responsibility by having my funds placed on hold against my will which is extortion, a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.

Company response to consumer: Closed with non-monetary relief