BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: Ability Recovery Services, LLC
State: NV
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: Was not notified of investigation status or results

Complaint:
I asked XXXX to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. XXXX XXXX did tried to get me to pay for an account they no is not mines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is the second part of the issue with this company. They fixed the first one by adjusting the payment after principle pay down only because I made a complaint to CFPB. But they have not credited me the funds for overpayments for XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On friday XX/XX/XXXX I transferred via XXXX XXXX from my XXXX XXXX XXXX   account to Bank of America. Bank of America put a hold on the transfer and froze the funds until XX/XX/XXXX. I had a bill pay that was set up for XX/XX/XXXX to pay my car payment ( XXXX XXXX ). Realizing that my funds that I expected to be immediately available would not be on XX/XX/XXXX I deposited a check in the amount of XXXX from XXXX XXXX to cover my car payment. On the app of BOA it states that the check deposited would cover all transactions posting on XX/XX/XXXX but that they were going to put a hold on that check also. On XX/XX/XXXX my car payment was returned I was charged a {$35.00} returned check fee from BOA and from my car company and when I called BOA to ask why were there all these holds when I had over XXXX pending to pay a simple car payment their response was that I had not developed a relationship with them and once I had transactions like this might be approved I. The future. Ive been with BOA for over a year and never had this issue. What has changed in the last two Months is I cancelled my direct deposit because I felt they were arranging transactions in orders to where I would occur a fee. Just like this situation. No one could explain why if I have over XXXX pending. I had an immediate transfer through XXXX a product they encourage you to use Boa would return my payment. Their response was I dont understand banking and maybe they will try to break it down into language Ill understand.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Optio Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have a lawyer suit files against me but want to verify workplace and income. Threat me with arrest at my workplace. Unfortunately I'm on fixed income and all.goes to medical. Thou I have block their number. It still shows up.as QCS. XXXX PS They are others companies or calls asking for a XXXX XXXX using my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Our company had a check altered and deposited into an XXXXXXXX XXXX from our Truist bank account. The check was for {$19000.00} dated XXXX XXXX Our checks have holograms, watermarks and are heat sensitive. We have been a bank customer of Sun Trust for over 30 years. We did not realize that the check was fraudulently deposited for over a month. We notified the bank on XX/XX/2022. We were never told by Sun trust Bank that we had 30 days to report a fraudulent check. In XXXX of this year Sun Trust became Truist Bank. Now after this fraud we are told that we had 30 days. They told us when we opened the account we were told. We opened the account with Sun Trust over 30 years ago. They do not know what Sun Trust told us when we opened the account. XXXX XXXXk accepted and deposited the check without doing their do diligence. It seems that it is too simple to forge a check and get it deposited and cleared. This is clearly a case of fraud. If the check was digitally deposited it would seem that it is a risk that the banks are taking is for their own expediency, not for the protection of the customer. Truist Bank has denied our claim because we did not notify them with in 30 days from when it was posted to our 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 2021-08-20
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan on my car is reporting as closed, charged off. I called Santander Consumer & they just told me to continue making my payments but it will still show as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and Experian are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-08-22
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of 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 accounts 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 accounts : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  XXXX. Please remove these accounts ASAP.

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 2022-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was given disaster relief and was told my credit would not be affected. They called & was assumed it was a mistake they would fix ; they reported me XXXX days late & refuse to fix it. I spoke with XXXX agents from Wells Fargo they all assured me it would be fixed & they did not fix. They just sent a letter that states all info they sent was correct & they will not be fixing. 




You're confirmed for disaster assistance We know that your focus right now is protecting the people and things you care for Dear XXXX XXXX : Thank you for taking the time to talk with us. Were sorry that youve been affected by the hurricane. 

While we cant waive payments, we understand that you may not be able to make regular payments for this account at this difficult time. To help : We wont report a past-due status for this account to the consumer reporting agencies. 
We wont charge late fees. 

Assistance began on the date you contacted us It will end on XX/XX/2022. This date is 90 days after XXXX declared the county a disaster area. 

Youll receive a letter soon that has more details This letter will include information about what to do if your home is damaged and how you can make up any payments you miss. If you dont receive this letter, please contact us. 


XXXX XXXX Department Wells Fargo Home Mortgage XXXX XXXX Learn more about disaster assistance Read about our disaster recovery process XXXX XXXX Additional resources Find a variety of disaster relief resources at XXXX XXXXXXXX XXXX  Read about your insurance claim check XXXXwellsfargo XXXX XXXX  Reach out for disaster help XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  to XXXXXXXX XXXX Central Time Prefer email? 

Click " reply '' button and type us your response. 
A representative will then be available to assist 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-07-05
Company: TD BANK US HOLDING COMPANY
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:
Regarding Complaint # XXXX On XXXX, TD Auto Finance states that they are required to report to the Credit Bureaus under the FCRA.

This is NOT true. Creditors are not legally obligated to report anything at all. It's a completely voluntarily practice. TD Auto Finance has purposely made a false statement. Please provide me with the information that validates the statement that credit reporting is required. 

Since the loan was paid off in 2018, was a 1099 C filed, and if so, I would like proof. 

I need to know if TD Auto Finance followed the Gramm Leach Bililey Financial protection Act ( 15 USC 6801 ), this law clearly states the non affiliated third parties should not have my non public information, without my consent. I would like proof that I gave TD Auto Finance my consent to furnish my information.

I was never given the opportunity to opt out of my non public information being given to a non affiliated third party, under the Gramm Leach Bililey Financial Protection Act ( 15 USC 6802 ), I would like proof that I was given a chance to opt out. 

I would like proof of everything listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
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 Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 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 2022-12-05
Company: Experian Information Solutions Inc.
State: MA
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:
CFPB XXXX XXXX to Pay {$19.00} XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. I am also having the same problem with this issue above, I never ever had issues with non of my leased vehicles this is my fourth car being leased. I had a lease with XXXX, XXXX, then XXXX again then XXXX & this is the first time I had an issue with a company that's not reliable was told XXXX this on a phone call and they do something completely dependent, I had an issue with an excise tax that they sent to an old address that I had updated with them Multiple times by email and by phone. Never ever have I missed a lease car payment that directly removed from my bank account, but because of the car excise tax that was sent to an old address that I called and confirmed updated it Multiple time via email and calling. They added that excise tax as an missed car lease payment, which it doesn't make sense that not part of the car lease, I have been making the lease payment if they tried calling me or sent me a payment for the excise tax in the mail at the updated address I would of paid it, or even sent it to a collection agency so they could attempted to contact me for the excise tax of the vehicle, but not try to add that as part of the car payment and as missed payment. That's fraudulent, unacceptable never again I will buy or want a XXXX vehicle again or will advise any family member or friends to buy XXXX and leave some reviews online are a couple of big websites for vehicle reviews. Not a good company for customer service. Plus all this lawsuit for credit error. I have also logged-in my hmfusa.com XXXX account to pull my payments history made to them from there financial app. 

It's was such a problem that we ended up just doing a buyout of the lease vehicle Which is stated on the document I will provide below.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating 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

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 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-27
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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