BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
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:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2021-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was called at XXXX XX/XX/21 from US District Clerk XXXX XXXX. An Agent told me that I had texted contact with a woman. This woman has disappeared and I and another 40 people arte unter investigation. I would have to pay a bail or deposit (? ) or I wold be aressted the same day. I was in panic. I dont speak XXXX well. The cal was from an official number. I was supposed to pay {$4900.00}. I could only raise {$1000.00}. I deposited this money in the ATM Wells Fargo XXXX XXXX Texas. Next day I fond out, the FBI never called anyone and that were scammers. I contacted Wells Fargo on phone, they told me, I have to go to bank. 
I gat appoiment at XX/XX/21. The personal banker told me, the bank cant help me. They can maybe contact the account ovner, but they will get them my personal information 's.

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 2023-01-05
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 am writing to BANK OF AMERICA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BANK OF AMERICA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2021-08-25
Company: KEYCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I paid off my mortgage {$220000.00} on XXXX. 
KeyBank released all remaining escrow balance after 30 days.

However, KeyBank didn't release lien after paid off XXXX. 
They just keep delaying over 60 days. 

KeyBank 's contact info is as follows, Loan number : XXXX KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Contact person : XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Care Credit had me fooled into applying for promotional 24 months no interest charges if balance paid within time frame. This was a deferred interest credit promotional offer and I was not aware. Upon the promotion end date, I was charged {$860.00} in interest based on a balance of {$1100.00} owed. My statements weren't mailed out because I opted for digital statements which aren't mailed in detail in email and you must log into their app to view. I wasn't aware of when the promotional deadline would end in XXXX. Due to this I was charged this large deferred interest amount and found out only once the charge occurred by putting this credit card over balance of amount borrowed which XXXX alerted me of credit score changes once reported to the credit bureau. 

Upon finding out this way this week, I immediately called Care Credit to discuss. They were not helpful, didn't detail what accumulated to the {$860.00} deferred interest charge, and told me nothing could be done to reverse it. How is this possible? This interest charge is absurd for what I owed. I want to know what can be done to appeal or fight the charge. Why would the amount be this high? I am lost for words for what they did and how it was miscommunicated. I don't believe this was fair and should be illegal. I hope to warn others about Care Credit, to be careful signing up with their credit, and be aware of what they did 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 monetary relief
Consumer complaint received 2023-01-05
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was told my loans are on the direct to discharge list for the public service student loan forgiveness program on XX/XX/XXXX. My final payment was XX/XX/XXXX. Many other people on the same discharge date and later have had their loans forgiven already. I am still waiting. I spoke to Mohela several times and they say they are still processing it but many people who have a later date have already received forgiveness. They are not processing the forgiveness in a fair manner. I have been working in public service for 19 years and have been waiting for a long time for this. This is a huge burden on me and very stressful and is damaging to my mental health. I just want my forgiveness processed fairly and in a timely manner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in contact with AFNI, Inc. over an alleged debt they now own, which they have supposedly purchased from XXXX. AFNI claims that I owe {$630.00} for an account number " XXXX. '' Six days ago, I asked AFNI, IncXXXX to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. AFNI HAS TOTALLY REFUSED to respond by way of such validation of this debt. In fact, this false bill can not be validated because I had no such account with XXXX. This bill may affect my ability to be hired for a position that I have submitted to for a background investigation. This false bill MUST be removed from my credit report at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. 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 2022-04-27
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I had an unauthorized transaction from my XXXXXXXX XXXX  checking account through CashApp. I have never in my life used CashApp and the account was started fraudulently. The amount of the fraud transfer from my account was for {$150.00}. I have requested documentation to show that the charge was not from my phone, nor did I authorize any charges from my phone. I believe my number was routed through the CashApp and was authorized through an alternative method using my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: CAC Financial Corp
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:
On XXXX XXXX, 2020, CAC FINANIAL CORP add a derogatory mark on my credit reports. CAC FINANIAL CORP did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This has been going on far too long so I need your help. They have been wasting my time by just ignoring my request sent on XXXX by certified mail***** XXXX on XX/XX/2020. I called several times XX/XX/2020 ( twice ) XX/XX/XXXX ( twice ) and but was only being disconnected in the middle of a solution and told it would be taken care of but nothing being done but total disregard. There have been student loans Accounts DATE OF LAST ACTIVITY HAVE BEEN RE-AGED HOW CAN THIS BE POSSIBLE AS SUCH AFFECTING WHEN THESE ACCOUNTS NATURALLY WOULD FALL OFF MY REPORT. The DATES, MONTHS, YEARS can not be different ON credit bureaus as you are getting data from the same source I am seeing different Date of Last Account Activity

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 2023-01-15
Company: Experian Information Solutions Inc.
State: MS
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 name : XXXX XXXX XXXX # XXXX, Account name : 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
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. 

XXXX XXXX /XXXX XXXX XXXX {$810.00}, XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX {$590.00}, XXXX XXXX # XXXX {$1000.00}, XXXX # XXXX {$82.00} INQUIRIES : XXXX  XX/XX/XXXX, 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, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  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 explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-09-18
Company: CNG HOLDINGS INC
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX  My refrigerator stopped working The factory warranty is still in effect but I need the receipt to get it repaired. 
I have paid the appliance off already and never received the receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: AZ
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 Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TD BANK US HOLDING COMPANY
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:
I found a fraudulent credit inquiry in my XXXX  credit report. 

The inquiry was made on : XX/XX/XXXX By : TD RETAIL CARD SERVICES XXXX XXXX XXXX XXXX, NJ XXXX I have not applied for any credit since XX/XX/XXXX when I applied for a Visa from XXXX XXXX XXXX XXXX I did change address on XX/XX/XXXX, and the information for lease approval may have been fraudulently used to make a credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with USBANK. There was an unauthorized XXXX transition for {$2300.00}. I contacted USBank fraud liaison immediately ( same day ) of this fraud. Two weeks later they stated my request was denied. 

Need a refund for full amount.

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