BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the violation by XXXX is XX/XX/XXXX next XXXX is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile XXXX by XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & XXXX bless

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 2022-05-25
Company: Upgrade, Inc.
State: AL
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:
Upgrade Credit Card was fraudulent used in XXXX of 2021 towards the end of the month. I was unaware that my card was lost with my cellphone in a casino on XXXX XXXX. Individual had access to my phone, emails and account information. The individual utilized approx. XXXX dollars. I have provided my statement, police report and the process with this company has been unreasonable. Lack of communication, and unethical reasons for claim denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
Its show miss incorrect late payment you can see the picture where they miss up. I dont have no miss payment. This account this pay in full they need to remove this account or the miss payment. If the reinvestgation under paragraph1 of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or Cabot be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove XXXX  for my account

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 2023-10-03
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Specialized loan servicing. 
Account number XXXX I have been trying to do a settlement on a HELOC for a property that is no longer owned ( original foreclosed upon 15 years ago ). I have been working with specialized loan servicing for 2 months only to continue to get run around asking for same documents time over time. 

I am requesting a settlement as I have paid for 15 years on a property no longer owned. 

Requesting help as they continue to give run around with no support I have never been late Rates keep going up Property not owned Original house foreclosed on 15 years ago.

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 2023-06-21
Company: RIA FINANCIAL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I authorized XXXX to debit {$600.00} from my XXXX XXXX XXXXXXXX account to convert to XXXX guaranies ( XXXX guaranies ) and deposit in my XXXX XXXX account in XXXX. 
On XX/XX/2023 I recieved confirmation from XXXX that the funds had been sent and would be available on XX/XX/2023. 
It is now XX/XX/2023 and my money still has not been deposited into the XXXX XXXX account. 

To resolve this issue I have repeatedly emailed XXXX. Since the company claimed they are tracking the transfer I requested to see field XXXX on the XXXX document with the XXXX XXXX XXXX XXXX. My request was denied by XXXX I also called XXXX customer service three times inquiring about my transfer. 
I have called XXXX XXXX customer service twice and emailed XXXX XXXX customer service a copy of the XXXX document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: SYNCHRONY FINANCIAL
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: Report provided to employer without your written authorization

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

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 2023-10-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: In progress
Consumer complaint received 2017-03-01
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX, Citibank sent us a letter saying that for an unstated reason they were closing our primary, 30 year old checking account on XX/XX/XXXX and that our debit cards would be blocked 5 days prior. This is the account into which all our income is directly deposited and from which our bills are paid. Our daughter received a similar letter regarding her savings account the day before. 

We called the telephone number on the letter the day we received it and were told that the letter was sent in error and that we could ignore it. On Saturday XX/XX/XXXX, we discovered that our debit cards were blocked and that we had no access to our accounts on line or at ATM. We called and were told that there was nothing that could be done since it was a week-end. It was in fact a holiday week-end and banks were not open until Tuesday, XX/XX/XXXX. 

As of XX/XX/XXXX, the situation has been resolved after a branch visit and several hours of investigation. The one person responsible for our dilemma was on vacation from XX/XX/XXXX-XX/XX/XXXX. We never learned how the branch manager and his superior ultimately resolved the problem nor the reason for its happening. But the XXXX of those five days was terrible. We would have been without income for at least a month had that account been closed. Moreover, the failure of a global bank to be able to address so serious a mistake 24/7 is breathtaking and inexcusable. How can one person have that kind of power? 

Attached is a copy of our letter to the CEO of Citibank , N.A . and copies of the XX/XX/XXXX letters that both we and our daughter received dated XX/XX/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 2023-09-05
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-01-17
Company: ALLY FINANCIAL INC.
State: MO
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:
From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX  at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: MD
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:
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 numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX  Account name : XXXX Account number : XXXX Account name XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXXXXXX has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Foreclosed while on forbearance by US BANK attorney USBANK didn't know that this happened and tried to collect payment after my HOME was STOLEN Over {$1500.00} in NSF fees Multiple police reports of harassment were made against USBANK and the attorney XXXX XXXX  XXXX Severe criminal misconduct has occurred. 

Please send investigator and United States Marshal I would like to be a witness at the next Senate finance testimony of the big bank CEOs I have specific incriminating questions I want to ask XXXX XXXX and the rest of the CEOs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, 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 2019-06-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries are reporting on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter asking Capital One Auto Finance, Inc.to investigate my accounts. Here is my tracking number : Certified Mailing # XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681i - Capital One Auto Finance, Inc.investigate and Handling this contract has been dishonorable in results my vehicle be unlawfully redo .And They also didnt even record the current status of the money order I tender information which is another violation. I have other violations of all the evidence attached below. 
Mileage was incorrect My signatures is not on the receipt for deposit Vehicle service contract Purchase price incorrect Money order / Confirmation Cashed In good faith and honor I tendered a payment according to Handwriting on the front face of money order example below / Money Order serial /Certified Mailing Number below Certified Mailing # XXXX Money Order serial # XXXX In good faith and honor I tendered a payment according to I Accept your offer in the amount of {$25000.00} for valuable consideration and tender the payment complete amount in accordance and satisfaction upon rendering this instrument By with or without recourse XXXX XXXX Evidence Installment Sales Contract Car-fax Vehicle Report Vehicle Service Contract Application Letters Copy of Money Order Copy of Credit Report Invoices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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 Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: MA
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 NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
AFFIRM , INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I wrote the company several times to remove this debt from credit report. It was a canceled purchase on XXXX for a trip that I did not take. They still haven't removed it from my credit report. 

I received my XXXX Dispute result on XX/XX/2023 and the status of AFFIRM , INC says remains. When it should be deleted from all of my credit reports XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Self Financial Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation