BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022, I sent a letter requesting for validation of alleged debt from XXXX XXXX account numbers : XXXX and XXXX. I received the letter today XX/XX/2022 from XXXX XXXX dated XX/XX/2022 and failed to send me a proper validation and did not send me a what i asked for. and while i request to cease any collection reporting till the matter is resolve, they continued to report and that is violation according FCRA. i attached the copy of their response and the letter i sent to them and to the credit bureaus. 
USPS certified tracking : 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 2020-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
From XX/XX/2019 til the present Capital One has been charging me fees and interest for purchases as a cash advance. I have spoken to two supervisors and each has conflicting answers and solutions. My credit limit if {$1400.00} and in that amount there is a cash advance allowed for {$400.00}. If I try to exceed the limit I get a denied transaction. SO I do I end up with a {$1400.00} cash advance on my credit card when I haven't gotten that much. I have purchased items from merchants and these transaction have been converted to cash advances instead of credit card purchase transactions. I was told today by a supervisor that merchants can send in code if they so choose to and change purchases to cash advances and I have to pay as such. No way! A purchase is a purchase and cash advance is a cash advance that is why they have different penalties and fees attached to them. The supervisor said that it was up to me to contact these merchants and tell them to bill correctly. Whaaat. Are you kidding me. I have attempt to do a credit card companies job in merchant regulations on billing criteria. I asked again today please go back and separate my purchases and cash advances, which are obvious on my statements transaction history. They say ATM and the others transactions list stores that I bought actual items from and did not receive money back in those purchases. If get denied for over the limit attempts how in the world was a merchant able to override my cash advance limit upto {$1000.00} over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Freedom Mortgage Company
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When we closed this loan, we set up automatic payment withdrawals from Freedom Mortgage. The didnt pull the XXXX payment and they are showing late payments for the past XXXX months, but the account was only delinquent for the month of XXXX. Want they want now is a late fee and a couple of other charges they keep taking on. 
We have a 2.5 % interest rate on this XXXX  lone and Im not going to let this bunch to XXXX us out of this interest rate. Im not paying any late fees for their mistake. I have paid the missing payment over two months and now my bank sends this bunch their monthly funds.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
IRS XXXXXXXX XXXX XXXX These All Involved in My XXXX  Tax Return Fraud Problem. 
Honest Investigation Needed. 
These All Have Cript, Fraud Workers Clean This Three Companies. 
All Is Big Gamblers. 
Fraud, Criminal Recard And I Need Free Credit Report. 
My Social Security Not Sacure. 
Everywhere Is Gamblers. 
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 2023-10-04
Company: SYNCHRONY FINANCIAL
State: CA
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 have complained twice that the inquiry wasnt mines and they sent a response in XXXX and XXXX that they would remove from my credit reports and they havent

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with XXXX, XXXX XXXX and Transunion XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information

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 2022-10-17
Company: Experian Information Solutions Inc.
State: KY
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 listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$100.00} XXXXXXXX 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 2023-07-26
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
the date was XX/XX/23 and i wanted to send get a large amount of money someone sent me on cash app. i got a email saying i needed to send {$80.00} to activate my bitcoin wallet, the email ( at first glance ) looked real so i sent the {$80.00} then they asked for {$400.00}! THEY SENT A FAKE EMAIL WITH CASHAPPS EMAIL ADRESS i didn't send them the XXXX but ANOTHER SCAMMER IN THE SAME CIRCLE SAID PAY THEM AND THEY COULD TRASNFER IT! i could not transfer funds due to me trying too many times. i really need to the money so i sent the {$200.00} to the account on paypal he said it didn't go through so i sent it again! he then said it will transfered " Tomorrow '' I haven't heard from him since i want him arrested and i want a full refund of {$480.00}!!! CASH APP AND XXXX ARE NO HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 the amount of {$960.00}, I have dispute this many times using XXXX, that this was a credit card fraud. Its showing in my credit that the account information disputed by consumer, meets FCRA requirements. Its already been 1 year and 11 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My Bank of America checking was hacked. 

Victim of the Bank of America, XXXX scam Over {$1000.00} was taken from my checking account even though supplement E says bank will refund any money taken with this scam

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 2023-07-12
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had a loan with Santander Consumer USA since XXXX of XXXX, along with the way I have had some job losses that resulted in not being able to pay my bills timely due to unemployment benefits denial and lack of financial support as I am alone as well as pay for everything independently. They recently waived {$200.00} of the late fees as a courtesy in which I am appreciative of, however I am trying to pay this vehicle off as QUICKLY AS POSSIBLE so that when I am in a position to do so I can easily purchase or lease an SUV sometime in XXXX. 

The co-borrower on this loan is not in a financial position to assist as we have been estranged for XXXX  years due to personal reasons and she is barely making ends meet as she works under the table due to not having a full-time job since XXXX. 

I am starting to get back on my feet slowly, I am doing my best to make ends meet as I am picking up odd jobs until I have a full-time position and I am also homeless in which I live in the vehicle. 

I was evicted from my home along with my job loss in XXXX, in addition to the job losses from XX/XX/XXXX to XX/XX/XXXX I was in an abusive relationship where I was beat to pulp resulting in me almost XXXX, XXXX on my medications that I pay for out of pocket because I can barely afford due to lack of insurance and can not afford the co-pays for any therapies or medical care. 

I also tried to XXXX XXXX to escape the abusive relationship in which my ex-fiance is in jail for XXXX years because he violated his probation as I called the authorities on him after he repeatedly XXXX me resulting in me contracting XXXX XXXX along with having intimate relationships with others in which he contracted XXXX XXXX from doing so. 

Prior to all of this, I had a full-time job along with going to school for an education in which I have completed, and I am in the process of applying for the master 's program. 

I am trying my best to make ends meet; therefore, I can not afford the {$200.00} amount in late fees in which I explained to Santander that I was terminated with no money coming in and no financial help from anyone as I am estranged from family and friends for personal reasons. 

I still want the vehicle, however I am asking that the {$200.00} late fees along with the total balance of the loan be forgiven without having to surrender the vehicle as it is my place of residence due to being homeless since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance : {$13000.00}, and AFFIRM XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.

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 2021-05-25
Company: WELLS FARGO & COMPANY
State: WY
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:
Applied for a Business loan at Wells Fargo, Wells Fargo claims that XXXX provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at XXXX to provide an explanation and Wells Fargo will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. Wells Fargo should also provide supporting documents for their claim.

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 2022-10-12
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}

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 2021-12-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Student Loans were placed in a Forbearance/financial Hardship. Account shows late payments. I was never late. I have 5 lates on my credit report. My credit score has been affected. Loan was sold and during this time the forbearance not being report accordingly. 

Listed contact number for Navient XXXX disconnected. Letter sent XX/XX/XXXX no reply. Account # XXXX Navient claims no correspondence was received since XX/XX/XXXX. Letter sent XX/XX/XXXX and XX/XX/XXXX. No record of my correspondence. 
Transferred consolidated XX/XX/XXXX. Bankruptcy XX/XX/XXXX, XXXX XX/XX/XXXX Discharged - Account was in forbearance prior to the bankruptcy. XX/XX/XXXX curred. Please dispute and remove from my credit report. 

I am the consumer. The account was full paid and closed. The reporting is unfair and deceptive. I see this to be unfair to me. 

I'm here to dispute inaccuracies and incorrect information. This practice can not be utilized on credit report for privacy. Putting on my credit report my private information to other people without my consent. I did not tell them to use or share with others. If it continues, I will need to take next steps FCRA disputing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received letter from Regions Bank XXXX XXXX XXXX XXXX, Al XXXX regarding a Standard Overdraft Coverage opt in for an account I did not have. Letter was dated XX/XX/XXXX and mailed to an old address of XXXX XXXX XXXX XXXX XXXX, Al XXXX. I do not nor have I ever had an account with Regions. I notified Consumer Protection and spoke with XXXX who said someone set up the account online. Last four numbers of the Regions Account Number is XXXX. Submitted forms requesting a fraud alert for the account on this day XX/XX/2023. I froze my credit with the three major credit bureaus and was advised by Regions to notify CFPB via Federal Trade Commission.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: WI
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 15 USC 1681 SECTION 602 ( A ). STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ), section 2 : it also states : A consumer reporting agency furnish a account without my written instructions. 

I did not give anybody written instructions for these transactions.

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