BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: FIRST ADVANTAGE CORPORATION
State: GA
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 : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direction Account name : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Account name : XX/XX/2022 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNKNOWN ACCOUNT # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am inputting a new compliant in follow up from compliant # XXXX. Citi lied in the response that they would be honoring the misleading disclosures and crediting my XXXX XXXX account for XXXX miles. As you can see in the letter attached, they agreed that the disclosures stated I would be credited and that I would receive credit 7-10 business days. This did not happen and instead I was told by their executive office that they lied in the compliant to CFPB and would not be honoring the disclosure or statement they made. I ask that the CFPB look into false disclosures Citi is providing their customers as I was told that there have been a number of complaints about the illegal disclosures on the promotion. I have attached the disclosures I agreed to when opening the account and the letter from their executive office stating that I should have been credited it.

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 2019-08-26
Company: First Data Corporation
State: HI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My problem is with First Data which is a credit card processing company. They proccessed my credit card transactions for my small business, XXXX XXXX Hawaii. 

My contract ended in XX/XX/XXXX but they continued to bill me. They acknowledged that they owe me {$510.00} and said they transferred money to my bank account. It turns out that they attempted to transfer it to my old checking account at XXXX XXXX XXXX which was odd as they've been depositing and debiting money in and out of my current account for about two years prior to this supposed transfer. This was according to XXXX on XX/XX/XXXX, who is one the managers. He said he'd call me back but never did. 

I called again on XX/XX/XXXX and left a message for XXXX to call me back and he didn't call. On XX/XX/XXXX, I called again and talked to XXXX who got my current checking account information and he assured me the money would be transferred to that account. 

On XX/XX/XXXX I left another message with XXXX to call and, once again, he didn't return my call. I called later that day and he told me the money should be in my account on XX/XX/XXXX. 

On XX/XX/XXXX the money still wasn't transferred so I called and talked to XXXX. She put me on hold and said that she walked over to the finance department and watched them transfer the money and it should be in my account within 5 - 7 working days. 

It was never deposited so on XX/XX/XXXX I called and explained the situation to someone who didn't give me his name. He transferred me to XXXX 's line and I got her voice mail but didn't leave a message. I called later that day and talked to XXXX ( I'm not sure I got the name right but it sounded like a female ). She told me XXXX was out to lunch but assured me that XXXX would call me back within an hour. Needless to say, I did not receive a call back from XXXX. 

On XX/XX/XXXX I left another message for XXXX to call me but he hasn't. All the people that I talked to at First Data confirmed that I was overcharged the {$510.00}. Today 's date is XX/XX/XXXX and there is still hasn't been a transfer from them into my checking account for the {$510.00}. 

I have no email trail as you can not correspond via email with this company. Your advise would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX XXXX have noticed Multiple unauthorized inquiries appearing on my credit report I have attached an FTC report and supporting documents. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2022-03-27
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX  Account # XXXX and XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Had to pay late fees because bank allowed vendors to take money multiple times even though I had no money in my account resulting in over draft fees

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 2020-03-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am no longer able to afford my property and I reached out to PHH Mortgage and completed a short sale package in XXXX. The lender told me they have to complete a denial for a modification before they can consider a short sale. I have no income. I was denied a modification in XXXX and the lender closed out the file even though they had the full short sale package they asked for. Please help me before the buyer walks away and my property is foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
credit report not popping up XXXX XXXX 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my adress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by TransUnion, XXXX, and XXXX. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.

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 2023-11-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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:
These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: U.S. BANCORP
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called XXXX XXXX on serveral occasions telling them im a victim of indentity theft & my XXXX was used fraudulently to opened an XXXX XXXX  account and its showing a remark of bankruptcy which I have never filed.

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 2023-10-25
Company: EQUIFAX, INC.
State: CA
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:
I mailed out information needed to properly update my report and the bureaus have failed to do so. There is a lot of information reporting improperly such as addresses and information that is a result of identity theft. These bureaus are reporting this information without proper verification before doing so. 
Inaccurate information : Names : XXXX XXXX XXXX XXXXXXXX XXXX  : XXXX Communications Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : Dept of Ed XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these.

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched.

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are 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 2020-03-18
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
While I am refinancing my current home mortgage loan with Freedome Mortgage Corp as below, FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX United States Lender NMLS ID : XXXX They are keep delaying my request for release payoff quotes to me and my closing title company, and now delaying my closing for refinance and several attempted for above company contacted, they are not released my payoff quotes and delaying.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 5th 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

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 2023-01-19
Company: EQUIFAX, 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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Cash App is the corporation in question. Using the service on Saturday at XXXXXXXX XXXX, I sent my son {$50.00}, to his account : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The transaction Successfully went through. 
case # XXXX However, the account : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), is " Supposedly '' " Suspended '' and Unbeknownst to myself. So, as I asked Cash App 's support team, what happens to my money. 
The had the Audacity to inform me that Cash App 's do not Issue Refunds. To my Horror, I find out that. Not Only had Cash App Allowed this transaction to go through, but they had also taken my son 's paycheck in much the same way. 

I want my Funds Returned to the sending account, Not EXCUSES as to Why Cash App gets to Keep my Money for Services NOT Provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the 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 removed from erroneous reporting in my file are listed on my credit report. 
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 2023-09-04
Company: Experian Information Solutions Inc.
State: VA
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 following listed creditors listed below have 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 an account without my written instructions. 

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 explanation