BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There are multiple inquiries displayed from companies without permissible purpose per the FCRA. I have no accounts from any of the said companies. This is a violation of the Privacy Act Of 1974. Removable of every inquiry needs to be completed immediately.

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 2023-12-13
Company: LFG Data Services Holdings, LP
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she or he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my given rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 15 U.S.C 168s-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 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: In progress
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: OH
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 kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
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:
It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.

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 2022-02-28
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX a hard inquiry was made to Experian by XXXX XXXX XXXX for a credit card. I also noticed a hard inquiry on XX/XX/XXXX. Both were for a credit card. While I am a XXXX XXXXXXXX XXXX customer I did not submit an application for a new credit card on either dates. I called XXXX XXXX XXXXXXXX. They did not see a new credit card account in my name as being opened. They suggested I call Experian to start a dispute. I called Experian and opened a dispute on the hard inquiry. They suggested I go to FTC.gov to submit a report. The FTC.gov site referred me to consumerfinance.gov.

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 2022-02-28
Company: Experian Information Solutions 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 XXXX XXXX XXXXXXXX, XXXX. Account # XXXX, XXXX BANK XXXX Account # XXXX, XXXX LOAN SERVICES Account # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CAPITAL ONE attempted to contact me several times through the mails and through phone app notifications that I owed a debt to them in the amount of {$110.00} between XXXX and XXXX of 2020. I sent out paperwork seeking info for the validity and verification of this debt along with other information. CAPITAL ONE has not responded with said information, instead, sent more communications with offensive and threatening language. The communications that they sent in response ( as well as the first time ) were filled with violations of Title 15, USC 1692, which protects my rights as a natural person and private consumer. CAPITAL ONE also limited my ability to use credit within my account due to this unverified debt, as well as lowered my overall credit score, also effecting my reputation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Westlake Services, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: PA
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 : Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN, XXXX XXXX - XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has XXXX XXXX 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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account # XXXX XXXX  XXXX. # Account XXXX XXXX XXXXXXXX Account # 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 with 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 non-monetary relief
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: WSFS FINANCIAL CORPORATION
State: PR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I have been trying to satisfy the auction amount requested on XX/XX/XXXX. My attempts to contact the bank have been ignored. I opened a complaint with CFPB on XX/XX/XXXXXXXX 
Complaint number XXXX received a response stating that the bank did not own the property. However, I found proof that the bank does own the property and have filed an eviction request with the court. 
I did receive the eviction notification to leave the home on XXXX XXXX XXXXXX/XX/XXXX. I am questioning why this quick action is being taken to remove me from a family home without providing me the opportunity to close this issue in good faith with the chance to discuss purchase options.

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 2023-03-06
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Today I went to the bank XXXX & XXXX XXXX Georgia with a check to cash, Im an XXXX XXXX, I'm automatically wrong just by being a blackwoman.I was racially profiled.I sat at the bank for over 30 minutes They told me they had to verify the check, and they needed a cold to verify the check, They have to call a XXXX number, They needed a code to process the check. The simple code was the teller calling the owner from her cell letting her know my name and the amount. After that happened they cashed the check apologized as I walked out I told them I was racially profiled and it was wrong what both tellers did, I left the teller called the owner that gave me the check, The owner called me went off on me and told me I was not welcome in her store anymore because of what the bank told her. I Told her I can't believe this just because of what the bank said, but I called you and told you your employee was trying to buy my pain pills from me keep calling my phone numerous at times got my information from the office and wouldn't leave me alone. That's why I went off in your store that day, She shot me up and told me none of that mattered, The other people are Caucasian what chance would I possibly have, been a XXXX XXXX stage XXXX XXXX patient. I'm not allowed to come back in anymore. All because of what the teller called and told her, I was racially profiled bottom line, I don't know if I have to get XXXX XXXX or any other XXXX American Advocate but I could not have went off that bad after being shot, having lupus and having stage XXXX XXXX. Going through XXXX XXXX times a week. Not once did I use profanity, never got loud with my voice, only simply questied them because me and other people that was in line knew they were wrong. Other customers waited on me to come outside and tell me Did they cash it That was so wrong. Not only they violate me of my rights They called the owner all the connections are right there How do a XXXX woman stand a chance by herself. Whatever ball is thrown at me I have to eat it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Eye have had several car loans with Wells Fargo and been charged an astronomical amount of fake fees, and interest. On ALL the car loans eye put a down payments down which is against UCC laws. The most recent loan eye had with them they repossessed illegally through a third party and my apartment manager had no idea they were trespassing because permission was not given. Eye traveled to where eye purchased the car because legal wanted to see the paperwork. The manager XXXX there at XXXX 's XXXX was recorded handing me my paperwork saying that it's A LOT of fees on here that may not you not understand out of his own mouth. Like a {$7500.00} car and was charged {$21.00} XXXX on a loan. Tjen after using their covid option they tacked on a bunch of more fees. Eye am still holding 2 or 3 low amount checks from XXXX with them admitting to me being overcharged however, eye know the few checks theyve sent does not even scratch the surface of what eye have been charged. Eye have other loans with them eye would like remedy for as well. Counsel says eye have been overcharged tremendously! In my state MO it is against the law per UCC laws to do a repossession on private property without the landlord knowing. My car was in total disarray once obtained. XXXX is not being honest or acting of integrity! They aren't taking responsibility for all the turmoil they have bestowed upon me. This loan is currently reporting to the bureau incorrectly. Eye will try this last attempt to get this corrected with XXXX and then will proceed with claims for Defamation Of Character.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: NY
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 have sent dispute letters to XXXX, XXXX, and experian I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus

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 2023-06-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened an account to purchase a king size bed at a furniture store in XXXX XXXX Texas on XX/XX/2020. The company uses Synchrony Bank as the lendor. The company, XXXX was running a promotion that seemed very appealing. An 18 month promotion which was brief in the disclosure and was very misleading. I assumed that if I paid the amount in full in the 18 month promotion period, any outstanding balance would by that time be small and manageable. Instead, the company added a fat {$1500.00} dollar fee that they call deferred interest. In other words they were actually charging interest staarting on day one and it would all be due immediately after the promotion. I gave a XXXX XXXX dollar down initial down payment and was making monthly payments on a regular monthly basis until I had paid over XXXX dollars which was what the bed was worth. Their disclosure doesn't mention the total dollar amount of dollar payments. and does a very poor job of informing the potential buyer of the risks they take by falling for the gimmick promotion. Their 29.99 % interest is a whopper! I refuse to pay over {$6000.00} dollars for a bed worth about half of that. I sent a letter to their Florida Office and they refused to acknowledge me or reply to my complaint. I just keep getting emails saying that I need to pay up. I told them that if they want, they can send someone over to repossess the bed if they return the over {$3000.00} dollars I have already paid. They don't reply or acknowledge me except to threaten to report me to the credit bureaus.I already reported this to the credit bureaus and it is unresolved. As far as I'm concerned their promotion is a fancy deceptive trade practice! 
I regret having made the purchase. I have very good credit and now they seek to tarnish it. I am a senior citizen and it seems big companies are targeting us as easy prey to enhance their business and line their pockets. I have asked them to close the account but all they do is keep adding interest and creating a bigger balance. I already told them I will not pay unless we can make some kind of arrangement that will benefit both parties. I can send them another letter, this time by registered mail if I thought it would help. I don't know what to do at this point. I appreciate any help you can give me. thanks. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Date : XX/XX/2023 Complaint against Western union USA I am the plaintiff XXXX XXXX XXXX XXXX, I live in XXXX The facts : I You have applied for a loan from an institution XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX After approval was completed, they sent it via Western Union and I paid the required expenses to complete the transfer, but Western Union sent an invalid code and said that I must pay another {$300.00} in order for them to send me the loan amount. 
Attached is the transfer form Please Help I am Tired For waiting long time for my Money. 

XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation