BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've disputed a medical collection that does not belong to me on my credit profile with XXXX XXXX the collection agency, XXXX, Transunion and XXXX in the amount of {$1200.00} starting XX/XX/22. They claimed it was opened on XX/XX/22 but was not reported on my credit report until XX/XX/22. I have sent a dispute letter to XXXX, Transunion, XXXX and XXXX. I have not received anything from XXXX as to whether this collection actually belongs to me and they have added this to my credit reports with a commercial address. In fact, XXXX removed it from my credit report, Transunion removed it from my credit report and added it again 1 week later without any notice of the investigation process. 

XXXX has verified it as accurate today, XX/XX/22. There is no way that XXXX actually investigated this because had they did their investigation they would see that I don't live in a commercial building and I supplied proof of my residence with my drivers license. How can XXXX say that it meets requirement of the Fair Credit Reporting Act when they clearly haven't done an investigation. Who did they verify this information with? I would like proof of where they confirmed this information showing the medical procedures and proof of my signature. I do not want it added back to my credit reports now that I have pointed out the mistake. I hear that XXXX is being sued for allowing commercial addresses to be reported to consumers profile and it looks like I may be a victim of this. I would like this deleted from my Transunion and XXXX credit profiles.

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 2023-01-11
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it may concern a wrongful repossession occurred XXXX XXXX  at my residence i the request of West Lake Financial Services on the morning of XX/XX/XXXX actions was taking place no court order was given prior to the repossession at said residence and a letter was sent out to them to correspondence via registered mail in. Seeking validation of and stating that it was not refusal to pay off the account but notice sent to them seeking information also requesting that no calls may given to me nor third party requesting to speak to me until notice to cure which is another violation I also they have violated my consumer my rights and caused damages to me financially and emotionally towards me my XXXX and XXXX this is unethical practice towards me and XXXX. I purchased this vehicle back in XXXX with down payment {$1500.00} from XXXX I was told it would go towards the note which was false that is another Violation.

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 2023-04-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been a customer of BMO Bank for decades. Several months I inquired about a personal loan to consolidate my debts. I was told by the banker that I needed to raise my credit score to XXXX. She told me my payment history was very good, but I filed bankruptcy in 2016 so I needed to show improvement. I did what she said and got my score to XXXX. I inquired again and was told by a different loan officer that I needed a credit score of XXXX and that BMO primarily pulls from XXXX. I continued to persevere, and got my credit score to XXXX. This past week I reached out to my local Branch and inquired again. I left a message on Tuesday, no reply. I called on Wednesday and spoke briefly with the banker and she said she would call me back. Didn't happen. Today, Friday XX/XX/XXXX. I finally was able to speak with her. I specifically said I did NOT want my credit report pulled if the bankruptcy would effect the decision. She told me since the bankruptcy was 7 years ago, not to worry because they just go back 3 years. I told her to go ahead and pull it. I was denied. She said the underwriter denied my application because of : 1.bankruptcy 2. I had 2 late payments 5 YEARS ago. 
3. I used more than 20 % of my available credit!!!!

Let me say, I was livid! How many people have they given loans with late payments in the last 3 years? During the pandemic and the high rise in inflation, I still managed to make on time payments, pay more than the minimum, and raise my credit score. How many people can say that? I also OWN my home. So to go back 5 years and use 2 late payments against me is morally and ethically wrong. I don't know anyone of average means that does not have credit card debt. I feel discriminated against! I did what BMO told me to do. I jumped through their hoops and they kept changing the rules. Today, after telling me I was denied, the banker said when I got my credit score to XXXX and my usage below 20 % to come back. Is this the criteria for everyone applying for a personal loan? I was not seeking to go further into debt. I was seeking help to get out of debt faster. 

This is BMO 's Mission Statement : Banking is our personal commitment to helping people at every stage of their financial lives. 

Where is there commitment to me, a loyal customer for decades? Shameful they can keep changing the rules. Now my credit will take a hit because of the hard inquiry. They hurt my credit and did not help me as I was led to believe.

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 2022-10-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This situation has been happening since XX/XX/2022 and it is still not fixed. I have provided this bank every payment I have made for my mortgage and they seem to think I still owe them money. I have emailed them, called them and NOTHING of any change! 

I have reached out to the Office of the Chairman, and this person is not providing me a transaction report of WHY my account shows I am behind. I have paid every single month for the full amount PLUS an additional amount that was asked of me to supposedly fix the underpayment. The fix NEVER happened so I paid the full amount since then so I asked for my overpayment back. NOW this bank is saying my account is behind. How is that possible for my account to be behind when I have paid every month complete? 

No one has provided me a report as to why my account shows behind. The online transactions do not make sense and believe it was done incorrectly as it looks like things are paid, moved over and done their own funny reconciliations. 

I am asking to please explain why I owe money when I have paid every month in FULL. I have the transactions from my bank to prove it and I MATCH them with my account but something in the reconciliation shows as if I owe more. I was told late fees would be removed so why am I owing XXXX more when I have paid my other months in full? This bank will not explain to me in detailed. I have been yelled by a lead manager who did not help me. Every representative just says a scripted message and can not explain the details transactions even though I specifically say, here are my payments, why do I owe? One rep even told me I owed about {$800.00} to keep my account current. Where did {$180.00} go to {$800.00}? 

I used to have great credit until this bank. THIS BANK IS HORRIBLE. I am a good paying citizen and I have been treated poorly by this bank. There is no clear answer as to why I owe when I have proof that I dont. This has been going on since XX/XX/2022 AND I have paid every month and the account shows one behind. My credit is ruined and I need this fix. this bank never sent me any correspondence certified telling me this change of anything. THIS BANK needs to have further disciplinary action as I do not think what they are doing is ethical. They are telling me to pay for something I don't owe but yet they won't give me clear explanation why I owe. I PAID MORE than WHAT I OWE and when I asked for my overpayment, they said they want it back. WHY??? I need help immediately as this bank still has not fixed my issue and my credit keeps showing as if I am not paying my mortgage on time when I am. I have everything in writing too. I just need this fix, this has caused a lot of stressed when this has not been my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: CA
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 Names : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . States : I have a right to privacy. 15 U.S.C 1681 Section 602 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 items 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 2023-02-09
Company: EQUIFAX, INC.
State: IL
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:
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent.

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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:
On XX/XX/23, I requested physical evidence to validate accounts : XXXX XXXX and XXXX XXXX XXXX from the credit reporting agencies. The documents were not produced. As per 15 US Code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have violated my consumer right by reporting false and inaccurate information on my credit report. 
Please see attached letter mailed and received by CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Nathan & Nathan, P.C.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
see attached

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: National Credit Systems,Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt was removed from my credit report a few weeks ago. It has been removed from my credit report numerous times yet they find a way to sneak it back on there. Before it was removed this last time I attempted to call and get the account figured out as they were also attempting to collect more than what the court ordered amount from the original break of lease was, I was yelled at by 2 different reps. When they called today I informed them that this debt was no longer on my credit report and to never call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 at XXXX money was taken from my account by a company named XXXX. I have never came in contact with this company whatsoever. So at XXXX {$180.00} was taken from my account. At this time I was at XXXX and I swiped my card at XXXX. I was notified that money was taken from me from spectrum. I drove home so I could get in contact with my bank which is Chime. Before I made it home another {$180.00} was taken out. By this time I made it home and I called chime to dispute these transactions and to lock my card. As Im on the phone with chime {$500.00} was taken from me! I was panicking on the phone because I didnt understand who and what was taking my money right before she locked my card {$110.00} was taken out! So I filed a dispute and the lady told me that I would be getting an email from chime support that never came the next two days. So I called them I emailed them several times trying to get my money back which was {$980.00} total. They told me I had to wait 45-90 business days before I could get my money back due to an investigation. I have proof of where I was at at the time and what I was doing so how could I be the one spending the funds? On top of that it says that its a internet and cable company. A internet and cable company would not make 4 different transactions if it was real. Im a single mom with no money, no place to go, and hungry! Im begging you guys to please help me get my funds back please. I even looked up the number on the internet and it stated that the number was associated with fraud and I have proof of that also.I have the times when I was on the phone with chime when money was taken out also. I can not wait 90 calendar days for my money back Im in need now and it has caused me and my family so much stress. If you guys need more information my number is XXXX and my email is XXXX thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: MN
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:
There was a random charge on my checking account from a vendor I generally shop with online, but the problem was that charge wasnt authorized by me. I called the vendor to see if there was any charge from them on my debit card and they said no. I notified the bank right away to dispute such charge so they could look into it. After a couple of days I followed up with a phone call to see the status of my dispute only to find out that some how the bank erroneously charged me from a vendor that I frequently use.That sounded real sketchy to me and I wanted to have CFPB look into banks activities. What if I didnt notice such charge? Would they have told me? Was it really an error? 
I must add they have since refunded the money and any accommodating fees back to 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 2021-03-22
Company: SinglePoint GI
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 I received many phone calls to my cell phone from The General Revenue Corp. I was finally able to answer one call and reached XXXX ( I am not sure if that is the correct spelling of her name ) ; however, she is a collector and I advised her that my phone number ( XXXX ) had been dialed two times to her and I speaking and that it was a violation of the FDCPA. I advised that the times that I was called were XXXX, XXXX, and then at the time that I was speaking with her which was at XXXX. She became combative and defensive and made me seem as if I was a liar. I advised that I would be able to supply proof of it and requested to speak with a supervisor. I was transferred to a senior representative that has manager capabilities. He did not provide his name when asked but he did provide the complaint numbers of XXXX and also XXXX. I was able to leave a message on both. Neither the senior representative or the initial person ( XXXX ) verified my information either. I advised to place my number on the XXXX ( do not call ) list. I left a message at the complaint numbers but there has not been any response on this. I felt as if I was being harassed because the calls were coming in constantly from this agency while I was at and it affected my ability to be productive.

Company response to consumer: Closed with explanation