BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
About XX/XX/23, I noticed unauthorized usage and interference with my cellular device that allowed another person to view my personal information and intercept transaction made with my debit card online. I verified the activity with the merchant on XX/XX/23 that confirmed the activity as theft. After filing a police report for the theft and activity, I reviewed my transactions previously made and I noticed multiple decrepencies in which I reported to my bank without delay. My bank has requested that I submit an affadavit in which I returned the same day via email as previously allowed ; the bank 's policy is to provide temporary credit for the transactions in which has not been applied as an intentional delay due to unsupported accusations due to prior issues with the account. Past disputedms filed on the account is due to long-term ongoing issues regarding harrassment described by my local laws as XXXX XXXXXXXX where my previous partner is consistently relocating along with me to unlawfully pursue me and monitor the activity on my device through the tampering with my device accounts that have been documented and reported.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-14
Company: Fairway Independent Mortgage Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Prior, I made a complaint within 30 days of application with Fairway Mortgage Company for racial steering, redlining, lending discrimination. The complaint was made through CFPB portal and is currently under investigation by HUD. 

The complaint being made today, is a complaint for a second violation which occurred after the previously mentioned violation. Said mortgage company did not provide a letter of adverse action as required by the XXXX. XXXX XXXX of Fairway Mortgage Company verbally denied my application for credit purporting that I did not meet XXXX qualifications to live in the property. She purported that the developers only accepted XXXX conventional loans. She alleged she did not know the specific reasons for denial when questioned during our conversation on XX/XX/2021 and again XX/XX/2021. 

Application date was XX/XX/2021 and I have yet to see an adverse action letter providing verifiable reasons for denial. I believe that the company did not send a letter of denial because the claim that I did not qualify for XXXX XXXX was a false claim and was verbally offered in an attempt to racially steer me from the community I was interested in purchasing a home in ; it was verbally offered so that there is no record of the false claim because such claim would be evident by XXXX XXXX. 

Again, this a claim of a ECOA ( Reg B ) violation which has not been raised prior. I need an explanation as to why this company violated my rights to receive a written letter of denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
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:
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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below has federally protected consumer rights to privacy and confidentiality under 12 UDC 1681. 

Accounts Account # XXXX XXXX XXXX... 
XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 

12 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 con not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting may make any consumer reposts containing any of the following items of information, other than records of convictions of crimes with antedates the report by more that's seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in 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 2023-10-23
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Wise bank have closed my account down and I've had benefits money going in from XXXX  and wise have said I can't have it so appealled over my bank being closed and submitted a refund and they sent me an email this morning saying my bank is staying closed so I phoned them and ask them to transfer the money in my account into my dads and they said they won't be able to do that for me as they have closed my account and that they are keeping my XXXX  benefits money and that I need to make a complaint with yourselfs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.

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 2023-09-29
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received an email invoice informing me from PayPal that I had an invoice requiring payment of {$540.00}. It also said if I suspected fraud the I should call XXXX. I did and they attempted to refund my money by me loging onto my laptop and on to my bank ( XXXX XXXX XXXX XXXX. They told me I filled out the form wrong and they transferred {$2500.00} instead of {$540.00}. I thought I did the form right, but they said I didn't. Now they wanted to get the remaining amount back by asking me to go to XXXX to get gift cards to total the extra amount that they sent and blamed me for not filling out the form correctly. (XX/XX/XXXXme ) XXXX was told to leave my computer on and to to XXXX. I went to my bank instead. They informed me it was a scam. The bank received a debit of {$440.00} from them. They are phishing. Pay pal had a small paragraph about not responding to this email.. but I didn't see it. XXXX XXXX was the name of the lady I originally talked to at this fraud connection with an account of XXXX XXXX. The funds taken out of my bank checking account was from XXXX XXXX ( XXXX ). from XXXX, which I never use. Bank Alert ID XXXX, referenced XXXX XXXX. I have a member ID also. I have closed my account and opened another. My computer was left on as they requested and they had access to my files, of which I am changing all passwords on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) t
he credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2019-01-22
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX Now and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my XXXX  and TransUnion credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my credit.

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 2023-09-11
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:
When I reviewed my credit report, I discovered some information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on 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 explanation
Consumer complaint received 2023-10-13
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This is about a foreclosure on a house and land for a finance loan through Nationstar for windows installed on the house. My mom paid this loan for over XXXX years not knowing they had her in a balloon payment where shed never pay it off. This property is XXXX XXXX XXXX, XXXX, XXXX XXXX. The company sold this loan to another company and the same thing. A few years ago they foreclosed on her home that she had built in 1969. We tried to find out who we needed to talk to to get the issue resolved and no one from either company came for court. We could never get in touch with anyone. The court just followed the paperwork not knowing who was actually behind. So, she lost her home and now still havent recovered from this. How can us small town folks get justice? I hope you can help her to get her home back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX AccountNumber : 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 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I filed a complaint onXX/XX/2021 with Complaint ID XXXX complaining Bank of America took away my money on XX/XX/2021 without my authorization and agreement. However, Bank of Americas response intentionally shifted the focus on my authorizedXX/XX/2021 transaction which was not what I complained about. In the response BoA claimed the reverse transaction on XX/XX/2021 was because the senders account could not be debited. If senders account was not debited, please explain why my account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited and available for my use on 2/3/2021. If the account balance increased from {$12000.00} to {$12000.00} and the {$500.00} was shown credited available for my use on XX/XX/2021, BoA apparently already debited or verified the sender 's account after the XXXX XXXXin on XX/XX/2021 ( Transaction XXXX ) unless the {$12000.00} was a misrepresentation. And if BoA already debited or verified the sender 's account for {$500.00} on XX/XX/2021 and showed it was available on XX/XX/2021, how could BoA later debit my account to reverse the transaction WITHOUT my authorization on XX/XX/2021? BoA assigned my case to Resolution Specialist, XXXX XXXX, and left a contact number for questions, however the phone always went to voice mail directly and they never returned my call no matter how many messages I left. They dont respond emails either. I would like to request BoA stop avoiding this matter and be responsible.

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 2024-01-04
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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