BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 1681Collection Agency XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Collection Agency XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ) 7 ) 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 2021-05-14
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted on XXXX by the user name XXXX. I thought this was the day trader willing to give me training and invest my money. This user then told me to text him. He told me about an investment process that he would show me to make a ROI of XXXX dollars. ( I have all screenshots attached XXXX. I sent a total of XXXX dollars to the website https : XXXX  using the bitcoin wallet address XXXX. I was told I will receive my money back in 72 hours. I then came to the conclusion he was not the real " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: U.S. BANCORP
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This phone number ( XXXX ) has called asking for a person who does not work here, has never worked here, and is not related to our company at all. 
They have called and been informed of this over 20 times. Each time we have asked them to remove our phone number from their list. 
The latest call they have made to us was on XX/XX/18 at XXXX XXXX. 
They have gotten that they call, ask for the name, then hang up after us asking them to remove our number off their list.

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 2023-09-12
Company: Experian Information Solutions 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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 2020-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The balance on my car loan was financed. The balance was about {$5000.00}. I had been making auto payments of {$160.00} to pay off the balance. But in a review of my balance online, the balance is showing over {$8000.00}. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: DISCOVER BANK
State: CA
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:
Hi my name is XXXX XXXX im a victim of identity theft.I checked my credit report and found account that I didn't recognize and I tried to contact creditors and found out they have wrong or previous address that I resided on.But after dispute the information came as accurate so I went ahead and sent them an rental agreement proving for the date x to date x I was living in different address and by FCRA law 605B they have to stop reporting and bureaus start blocking these account.There is a car loan also on my credit report that was fraudulently taken out under my and my moms name.For XXXX XXXX there are XXXX account all XXXX are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX IS REPORTING INACCURATE BALANCE OF XXXX. THE BALANCE WAS VERIFIED CORRECT ON XX/XX/23 THE CORECT BALANCE FOR ACCT XXXX IS XXXX. THIS IS A VIOLATION OF FCRA LAWS.

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, XXXX XXXX ( XXXX ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run 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 2022-12-19
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, Navy FCU ( Finance ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: LA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give these companies permission to run my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Foris DAX, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had been investing in crypto and using crypto.com to make all the purchase transactions to the address that I was instructed to send to. Unfortunately the addresses that I was instructed to send to turned out not to be legit and as a result I lost all my funds. I sent complaint letters to crypto.com but unfortunately they refuse to help me with recovering any of the funds that were lost through there service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CA
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 have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/20 requested mortgage refinance loan on line. 

XX/XX/20 submitted required financial information, paid loan lock in fee and received confirmation that required information was received. 

XX/XX/20 received notice that refinance was rejected. Received document requiring I sign that I accepted notice of rejection. On examining the rejection notice I became aware that only very general reasons were given for rejection including missing credit information ; excess outstanding revolving credit ; insufficient length of time with revolving credit issuers. None of these reasons were given specific parameters. None of them made any sense in light of my high credit rating, low revolving credit balance ( less than 20 % of monthly income ) and long term credit card history ( over 20 years ) with no history of failure to pay full monthly balance. 

XX/XX/20 received request to contact mortgage company to renegotiate loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Didn't receive services that were advertised

Complaint:
I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, TRANSUNION, XXXX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( TransUnion ).

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 2020-08-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was a secured credit card that works like a prepaid card using my own available money put on the card which is reflected on my credit report with Wells Fargo Card Service on my XXXX XXXX Credit Report as Loan Type : Secured Credit Card in the amount of {$300.00} ( XXXX XXXX dollars ). 
Could only used what I had put on the subject card with my own money as a secured credit card, not Wells Fargo Funds. 

There is an inaccurate/incorrect charged off {$2600.00} and high balance of {$3000.00}. The credit limit was just {$300.00}. There was no increased in limit and balance over stated. Was brought to their attention. But, neglected and never resolved as per Federal Truth in Billing Disclosures and Credit Reporting act based upon FTC guideline. 

The account was closed with no balance owed to Wells Fargo Bank in XX/XX/2018. 

The Wells Fargo bank and I agreed to terminate the relationship because the bank was involved in alleged collusion and bad faith banking practices that were not in full compliance. No statement was send to show an itemized history and reconciliation of activities as secured credit card by law.

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 2023-07-19
Company: EQUIFAX, INC.
State: NV
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:
U.s. code $ 1666b timing of payment A creditor may not treat a payment on a credit card account under any open or consumer credit plan as a late payment for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titlw is mailed or delivered to the consumer not later than 21 days before the payment due date... the acxount came back verified 611-15 u.s.c {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off an installment account in full on the XXXX or XXXX of last month and cancelled the account with the creditor. The creditor reports on the XXXX of the month. They ( creditor ) did not report the payoff or cancellation. I called the lender and asked why they did not upfate the account information to my credit reporting companies. They responded that they will do it sometime in ghe following month. I then filed a dispute with both Transunion and XXXX about the account status. XXXX took care of their part updating their account information and verifying the debt paid in full and and closed before the end of this last month. TransUnion did not report it until today and reported it as a reopened account with the old balance showing. I again disputed this over the phone with them today. Their response was they will look at it again within the next 30 days. I was going to buy a vehicle today but will have to hold off because of XXXX mistake. I am writing you of my experience with TranUnion and an unnecessary cloud on my credit because of their incompetence.

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 2021-02-19
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2019, my wife and I purchased a washer and dryer from Bestbuy using a CitiBank issued Bestbuy account. At the time of the purchase, we called the Customer service center because my wife could not remember her credentials to access the account online. They told her what the due date for the payments would be and helped her reset her account credentials. She then went to our banking site and setup a reoccuring payment from our checking account on the date she had been provided ( XXXX of each month ). 

Unbeknown to us, when she access her account online, it defaults the option to receiving electronic statements via email ( unless you uncheck a box somewhere ).

Out of sight, out of mind, a year passes and we never think about the account. It occurred to me when reviewing our bill pay, that we may need to check what the outstanding balance was on that CitiBank/Bestbuy account, as we had opted for an 18 month no interest payment plan. 

When my wife logged in, she was shocked to discover that each month since last XXXX, CitiBank had been charging a {$40.00} late charge for the payment being received on the XXXX, vs their now stated XXXX due date. So for 11 months, they had taken {$430.00} ( +/- ) in fees for a payment that they now claim was arriving 3 days late every month. 

At no time has a letter been sent, a phone call made, nothing aside from emails that ended up in a spam folder informing us ( since we had no idea we had been enrolled in electronic statements ), that a statement was available online.

When I called them, they curtly informed me that there is ZERO grace period, a single minute past their due date results in a late payment. They did offer very graciously to remove 2 of the 11 late charges that had been applied, which they did.

This is TOTALLY unacceptable and likely criminal. You force a change to electronic statements, then those who don't aren't aware don't even know they need to dig those notifications out in order to go download monthly statements ( because you aren't made aware that you have signed up ). This is deceptive practice. I would be VERY interested to see how much they are making by preying on the unwary and unassuming consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: PA
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 did not try to get a car loan and I have several new inquires for auto financing. I called the credit companies and have had no success getting them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation