BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: DE
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Experian, and XXXX regarding the violation of the Gramm-Leach-Bliley Act ( XXXX  ) in relation to my credit report. I believe that these credit reporting agencies have failed to comply with the provisions outlined in the XXXX, specifically with regard to the protection of my non-public personal information. I have recently reviewed my credit report and identified several accounts and inquiries that are still being reported even against my consent and that I believe violate the GLBA. The accounts in question are as follows : XXXX. XXXX Formerly XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( authorized user ) XXXX. XXXX XXXX  ( authorized user ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXX  ( closed ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXX ( closed ) Additionally, the inquiries on my credit report that require immediate attention are from XXXX XXXX  and XXXX XXXX there are no accounts associated with these inquiries. I hereby request that the aforementioned accounts and inquiries be promptly and permanently removed from my credit report in accordance with the XXXX. These inaccuracies not only tarnish my credit history but also compromise the privacy and security of my personal information and I have made it clear that they have been reported against my consent numerous times. Furthermore, I request that XXXX, Experian, and XXXX cease the disclosure of my non-public personal information to any third parties without my explicit consent. I expect these credit reporting agencies to comply with the XXXX and protect my privacy rights as mandated by law. I kindly request that you investigate this matter thoroughly and take appropriate action against the credit reporting agencies involved. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy and integrity of my credit report.

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my very first commission check in early XXXX. It was for {$3200.00} and it was drawn on a local XXXX XXXX XXXXXXXX account from XXXX XXXX XXXX. You cant get more trustworthy than that but I was told there had to be a ten business day hold until they would release any portion of the funds, even though Ive had a balance around {$30000.00} for a good part of the year. They said the person who wrote the check was suspicious. 

I was able to use my XXXXXXXX XXXX but what if I didnt have those resources available? They would have ruined XXXX and put me in a very bad position with my bills.

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 2017-11-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I transferred {$5200.00} from XXXX exchange to my coinbase wallet, which is advertised as instantaneous. However the money is not in my wallet or available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSWORLD SYSTEMS INC
State: DE
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 TRANSWORLD XXXX XXXX account number # XXXX, XXXX XXXX XXXX  account number # XXXX, XXXX XXXX account number # XXXX & XXXX account number 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Colony Brands, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a fraudulent account in my name. I sent all paperwork requested. Received a letter stating fraudulent account was proven to be fraudulent. The account was to be cleared up in a few months.Now I have received a letter requesting that I send all paperwork again. The company is Montgomery Ward. Please help me. I need to get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ERC
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:
In accordance with a Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX, XXXX & XXXX - XXXX, XXXX ; [ ERC ACCOUNT # XXXX has violated my rights ; [ ERC ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now XXXX and I should have access to use my credit card. This is discrimination toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
My credit report is showing late payments on XXXX XXXX .... Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2022-02-15
Company: EQUIFAX, INC.
State: GA
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:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2022 XXXX  XXXX XXXX XXXX Inquiries XXXXXXXX Date of XXXX XXXX Date of inquiry XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX  XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I receive a text from Chase asking me if I was trying to XXXX {$2000.00}. I text back no and about 2 minutes later I received a call from Chase Fraud. It came up as Chase 's number and so did the text message. The guy on the other end of the phone stated he was from Chase fraud and there was activity happening in my XXXX account and it has been compromised. He never asked me for personal information. He did state I had to change a few things in my XXXX account so I may secure my account. Now since I am confused because he NEVER asked for personal information so I believe he is from Chase I followed instructions. I updated my XXXX contact and I was told to send myself {$1400.00} to get my money back. I authorized {$1400.00} to be sent TO ME!!!! It was under my name and using my phone number but it went someplace else. I contacted Chase several times and they keep telling me they will not assist because I authorized a transfer. but I authorized it to myself and it did not so to me. So where did it go?? Why is Chase not assisting in fraud no matter how it occurred???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not been re-reimbursed for the remainder of my escrow account after the mortgage loan payoff. I have called several times and keep being told a stop payment will need to be submitted along with a new check issued and that this will take several weeks. Each time I call they say they need to submit the paperwork, apparently nothing is being done. 

The following are the dates that the mortgage company PHH has on their website about the refund. I received a letter from PHH mortgage on XX/XX/2018 with the loan payoff details but there was no check enclosed. 

Applied Date Due Date Description Amount XX/XX/2018 Escrow Funds Disbursed to Borrower - {$390.00} XX/XX/2018 XX/XX/2018 Loan Paid in Full {$65000.00} It is now XX/XX/2018 and the check has not been sent out yet. I am being told another 5 business days I should see this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Resurgent Capital Services L.P.
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:
XXXX unlawfully reported a fraudulent account that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My automobile was part of my Bankrupty ( ChXXXX ) and was paid in full ( BK claim scheduled - {$26000.00} ; Claim asserted {$26000.00} ; Principal paid {$26000.00} ; Int. Paid {$3700.00} ; my case was completed on XX/XX/2017. I have the paperwork from the trustee confirming dates and payments to all creditors, showing paid in full ( including Toyota Motor Credit ). I am now trying to repair my credit and begin anew. Toyota Motor Credit was reporting me as late and again, it was all paid in my BK. They were calling me to collect payment and I explained the situation, they refuse to listen telling me and continue to tell me I owe them {$700.00}. I have uploaded my documents to them, via their website and have spoken to several representatives. I even referred them to my BK attorney and they have been useless in removing the debt that I DO NOT owe. I am at my wits end as they said if I don't pay, they will show as " charge off '' and it will affect my credit that I have been trying to rebuild after my divorce. My BK paperwork should be enough for them to see what I am explaining to them is accurate and release my title to me and remove the balance they state I owe - as again, it was paid in full ( per BK courts paperwork ). This whole process has been very frustrating and to top it off they started calling me everyday to collect - harassment. I finally told them to stop calling me and to contact my attorney or the BK courts. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears

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 2021-08-26
Company: Experian Information Solutions Inc.
State: TN
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:
Recently my identity was stolen and I reported a fraudulent account under the name XXXX XXXXXXXX who are the collection agents for XXXX XXXX who claim I do not have a loan with them on my credit report with XXXX XXXX. Police report is XXXX. It has been over 30 days and I still have not received a response. Every time I call for for years my account is always held with the fraud team so I can not get access to my report and I am put on hold for 2-3 hours every time. This includes when I call in because their system can never keep my login credentials correct and I am forced to reset every time I log in. Now I am being forced to pay for services I have been receiving for free for decades. I am sick of it.

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 2021-07-08
Company: Better Mortgage, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We refinanced our mortgage with Better Mortgage Company, which was previously with XXXX XXXX XXXX. We closed in late XXXX. I have asked Better Mortgage Company to record the release of the XXXX XXXX XXXX loan and record the new Better Mortgage loan for XXXX XXXX months now and they continue to ignore me and tell me that they " submitted '' the forms electronically. When I call my County Recorder, they inform me that they do not have the records. Better Mortgage subsequently sold/ assigned my mortgage to yet another company and none of this activity is recorded. According to public record, my lender is still XXXX XXXX. I am at a loss for what to do. Better Mortgage tries to blame the County, but I am an attorney, and I have had documents recorded for many clients in a matter of weeks at the very latest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove the following inquiries that I did not authorize from 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 XXXXXX/XX/XXXX i did not provide written permission or instructions for identification to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of faxt by me relevant to the reuqest to block the information related to any transaction by me as a consumer. Please delete within 4 days of reciept 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 2023-05-08
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$380.00}

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