BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.

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 2023-01-16
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:
I'm XXXX XXXX and I'm having trouble with all of the accounts I'm reporting in the documents attached to this complaint.

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 2023-01-25
Company: EQUIFAX, INC.
State: OH
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-17
Company: DISCOVER BANK
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:
This is my complaint about DISCOVER BANK. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: ASSOCIATED BANC-CORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/2023 I became aware that my account was frozen do to my card being denied. I called and learned that my account was frozen. The bank did not give a reason, they just told me that someone from associated bank would reach out to me. 
On XX/XX/2023 XXXX XXXX from associated bank reached out just to tell me that my account is being closed and all my funds are now gone and is no longer my money due to an endorsed check that was reported fraudulent. I asked how and why did the bank determine it to be fraudulent, she said that the endorser reached out through a phone call and said that she did not endorse the check. 
I said since associated bank obviously sided with a non client if there was any paper trail showing how associated bank determined their decision, I was told that I was not privileged to anything beside a notice that will be sent out telling me my account is closed. I asked could I be issued any policy that associated bank should have in place telling me my rights in this matter, i was told I was not privileged to any documents explaining anything.

Associated Bank closed my account and took a large sum based off a phone call from a non law enforcement, there is no criminal charges, there is no decision from a judge.

Associated Bank never reached out to me telling me anything, not one email, no one called me for a statement informing me of anything, I'm just told that a non law enforcement called and said fraud! 
The only contact that was made by this bank was them telling me that my account is closing and they are taking my money {$46000.00} and for me to get it back XXXX XXXX told me I have to reach out to the person that reported the fraud. 
Associated bank told me I have no rights, even though for me to become a client I sign into rights.

They have now taken my hard earn money based off a phone call from a non law enforcement and refuse to release anything in writing to me or any existing policy on such a matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: CT
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:
They said the information was right and it wrong

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 2023-06-27
Company: Mr. Cooper Group 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: Information is missing that should be on the report

Complaint:
For a few months, XXXX has not been reporting my active mortgage with Mr. Cooper as the servicer of my mortgage. I've contacted Mr. Cooper, and they claim that they have taken up the matter with XXXX and that it is XXXX 's policy to delete these matters at will ( a charge that XXXX has denied having ). XXXX states that any file is only deleted upon the creditor 's request. 

Please see the attached response from Mr. Cooper. 

Nevertheless, I need assistance in this matter since the absence of my mortgage listing on XXXX is causing me a lower credit rating. Furthermore, this delay is preventing me from purchasing a new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
STATUS The complaint was closed on XX/XX/2023 The CFPB closed this complaint because it has already processed your earlier complaints about this problem. You closed the report as usual and DID SQUAT! HOW PITIFUL!

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 2023-05-08
Company: EQUIFAX, 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:
Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

I reached out to the Equifax, XXXX, and XXXX regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients

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 2021-10-07
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo mailed me a letter that said that I had opened an account. They mailed this to my home mailing address which I never use. I went to the local branch and they were very helpful and called someone at Wells Fargo to report the identity theft who gave me identity theft case # XXXX. They will not give me a copy of the application from and where and whoever applied for this opening of the checking account, as they state it was online. They have all of my identity that they captured/got from somewhere and I would like to know who, what, and where they got or stole my information. The only thing wrong when I asked the helpful lady at the branch was my drivers license expiration date and my email were both incorrect. Otherwise my social, home address, date of birth are all on it and correct even my home phone number I never give out. Given the history of creating fake accounts with this company is Wells Fargo back to their fraudulent methods new account creation methods? I also opened a case with XXXX County, WI Sherriffs office case # XXXX. 

My combined credit/FICO score went from XXXX on XXXX to a XXXX on XXXX. The credit reporting agency XXXX XXXX does not answer/or allow you to speak with anyone ( what a joke to put a freeze on your account. XXXX made me send them a copy of my drivers license and a photo of myself prior to putting a freeze on my account and tried to sell me some {$99.00}. credit monitoring to place the freeze on it. XXXX was easy to place the lock on the account after establishing a PIN number. 

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 2020-08-06
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The monies that the collection company is trying to collect and ruining my credit does not need to be paid back since the original company has sent me a 1099 and written this off as income.I was given an offer letter dated XX/XX/2017 ( trying to get in touch with the Headhunter to get a copy ) and nowhere on that offer letter did it state that i would have to return the relocation bonus if I didn't move forward with the job. After accepting the position I heard rumors that the company was in trouble and would be closing there doors so I decided not to move forward however the relocation monies that were given to me I had already paid out to move and get out of my current lease. The company has since closed and sent me a 1099 so i have already paid taxes on the same monies the collection company is trying to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Credit Karma, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Credit Karma is an incredibly shady company. XXXX already has a near monopoly on the tax filing business for regular filers and they they insert this financial services arm into it. They say that they are trying to get you your money faster so you start to sign up, only to realize by " get your money '' they mean they are creating a card account by which they hold your money and probably use it for other investments. 

That in itself is very unethical. But before I fell into that trap i went back and went with a normal direct deposit. But at the end of the whole process they sent me to a Credit Karma page which said they were still sending me a card. 

I looked all over the website for how to cancel that card and cancel the account with no luck. So i went on their help chat. The first person handed me off to a second person who handed me off to a third person who they said would email me. 

It should not be this hard to cancel an account i was tricked into signing up for only minutes beforehand. And XXXX should not be able to leverage their tax filer access to build a credit card business using tax payer refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IN
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 these Accounts have 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 XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/21 I applied for a loan from them for {$2000.00}. I received an email stating the loan was approved XX/XX/21 and they needs a photo ID. I uploaded my drivers License to verify my indenture. I then received an email today XX/XX/21. Stating my loan balance was due in full however I never received any funds. The letter also had no balance. I called into customer service and the repressive stated the loan is approved for {$2000.00} and that I need to upload a selfie picture to verify my identity & that this was a new security process for them. I advised her I uploaded the front & back of my drivers license and didnt understand why I would need to take a selfie and send that too. The representative stated she knew the new security measures they put in place would cause an issue but yo just upload it per the loan officer & to call back in an hour to verify it was received. I complied called back 2 hours later and that representative stated I needed to take a selfie of me holding my license so the loan would go thru the final approval process and be funded to call back in an hour ensure they received the selfie. Well I received 2 emails at XXXX XXXX  stating they couldnt approve the loan, an email at XXXX stating. 
Cash Central approved* you for funds up to {$2000.00}. All you have to do now is click here to verify your identity and request your funds. Act now and have the money you need in your hands tomorrow! **then 2 emails at XXXX stating After carefully reviewing your application, we are sorry to advise you that we can not grant you a loan at this time. If you would like a statement of specific reasons why your application was denied, please contact our customer service department shown below and reference code ( s ) XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. So I tried to call them at XXXX its not in service called XXXX its not in service XXXX. Also not in service. 
I feel they are discriminating against me racially due to my drivers license picture and selfie. I also I believe they are violating lending laws after advising me I was approved them stating I am not. I feel like their advertising is a scam to get my personal information and sell it & they never had any intentions of giving me this loan.

Company response to consumer: Closed with explanation