BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading.

This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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 2019-03-26
Company: Automated Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After going to a XXXX  ( XXXX XXXX, XXXX XXXX, Ga for XXXX XXXX screening with insurance I received further bill after paying copay and more at the appt. I explained to Dr. office I had to go on XXXX because of illness and I would pay when I could as I had a stack of medical bills and was not able to work. Dr. turned XXXX bill over to Automated Collection Services , Inc. XXXX XXXX XXXX, XXXX XXXX, XXXX. I took Automated Collection Services calls explained the situation and was making payments. Out of the blue with no warning they reported me to XXXX  as not paying debt and my credit score dropped 30 points. I was very upset and scared so I paid off the rest and reported complaint with XXXX. They said when they looked in to it because the debt was paid there was nothing they could do. They were rude and offered no type of resolution of how to repair my credit score. My credit score has not gone back up even though I paid the debt. Thats what I want at this point. I was working with Automated Collections Services Inc. to pay off debt and it is wrong they were able to damage my credit like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : 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 2021-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a text message from WELLS FARGO that {$5000.00} had been authorized to be taken from my account to pay a XXXX XXXX account. The person had used my checking account and routing number and the funds were removed from my account. 
*This exact same thing happened in XX/XX/XXXX the week before XXXX, which caused extreme stress since I was unable to purchase gifts for my family At that time, {$5500.00} was taken by my account to pay for some XXXX XXXX card I have NEVER had a XXXX XXXX, and have never had a transaction for that amount in the 20 years that I have been with this bank. 
Today, when it happened a second time I called, and was told that they would investigate and it could take up to 10 days to get my money back. The rep XXXX provided a case number of XXXX. I explained that I am now unable to pay my bills, and have XXXX XXXX in my home that I am raising. I have to buy groceries to feed my family. He said they will put a stop payment against any future transactions relating to XXXX. I asked him why that was not done last time in XXXX when this same exact thing happened. He said it was. I asked if it was done, then how was my money taken AGAIN. He said it was done this time by a call pre authorizing the transaction. I told him that was exactly how it was done last time as well. 
I entrust this financial institution to protect my money They have allowed my account to be accessed and all of my money taken twice within a 30 day period. They need to be held accountable for this Thank you in advance 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 monetary relief
Consumer complaint received 2022-06-14
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 This Account XXXX XXXX Bank as 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 
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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' 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 explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: MN
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN 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 2019-11-18
Company: Resource Management Group
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I RECEIVECED A CALL TODAY FROM RESOURCE MANAGEMENT GROUP XXXX. XXXX XXXX XXXX North Carolina, XXXX, CALLING ME IN AN ATTEMT TO COLLECT THIS PAYMENT, THIS IS THE 3RD COMPANMY 2 CALL ME PERTAINGING TO THIS DEBT WHICH HAS BEEN PAID SINCE XX/XX/XXXX OF THIS YEAR, THEY HAVE SOLD THIS DEBT SEVERAL TIMES, AS WELL, AS THEY ALL HAVE MY DATE OF BIRTH LAST FOUR OF MY SOCIAL SECURITY NUMBER, I HAVE ASKED THEM TO CEASE THE CALLS, CEASE SELLING MY INFORMATION AS IT IS A VIOLATION OF MY RIGHTS, I AM AN XXXX VETERAN SUFFERING FROM XXXX THIS IS CAUSING ME EXTREEME XXXX XXXX, PLEASE HELP

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from XXXX in XX/XX/2020 and did not receive it as promised within 2 days. I disputed the charge with my XXXX XXXX XXXX card and was issued a temporary credit The item finally arrived in late XXXX so I returned it in XXXX. I have proof of the return. XXXX XXXX XXXX Credit card reversed the temporary credit on my account and XXXX states that they issued a refund. According to XXXX XXXX XXXX they never received the refund from XXXX so the purchase is still showing up in my balance and I am having to make payments on it. It is the only charge I have on this credit card so essentially I am paying for something I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Checkr, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to express my deep concern and frustration regarding the deactivation of my account. This action was taken due to an issue involving my driver 's license and background check compliance, which has now been FULLY resolved. However, despite my numerous attempts to rectify the situation and restore access to my account, I have been met with nothing but disappointment and discouragement. It is disheartening to inform you that, even after filing two 3 appeals, my account remains deactivated without any sign of reactivation. this unjust and prolonged suspension has caused significant inconvenience, distress, and complete loss of valuable income. I want to emphasize that the compliance issue with my driver 's license and background check has been addressed and resolved. Therefore, it is only fair that I am granted the opportunity to regain access to my account, which I have come to rely upon for income.I implore you CHECKR and XXXX to understand the gravity of this situation and the impact it has had on my daily life. Not only have I been unable to utilize the services and benefits that your esteemed company offers, but I have also experienced undue hardships in managing essential tasks that are directly linked to my account as well as a complete loss of income due to the deactivation. With the utmost urgency, I kindly request CHECKR & XXXX immediate attention to this matter. I sincerely hope that dashboard can empathize with my predicament and realize the importance of promptly reinstating my account. Doing so would not only demonstrate your commitment to driver satisfaction but also restore my faith in the integrity of the XXXX or any other platform. I eagerly await CHECKR & XXXX swift response, accompanied by the FULL reinstatement of my driver dasher account. Thank you for your understanding and cooperation with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: IL
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 am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission. 

I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter

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 2021-02-08
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I saw Upstart on the XXXX XXXX website this company is completely unprofessional from start to finish I applied for a {$30000.00} loan I was preapproved and then was sent a list of to do documents two of them are that last two years of income. Now understand several years ago my CPA said I could take some of my income and move it to an XXXX XXXX and have a lower tax basis since Im XXXX XXXX  to pay less SS tax, from the start it was a mess first I had applied and waited day after day from almost 5 days and hadn't heard anything i called and went over my issue and the person I talked to said he would talk to a supervisor and when he came back he said my income didn't match and I told him again my situation where you had to add the 1040 and the XXXX XXXX to come up with my income I got some nonsense about they went from " line 31 '' which said between the two years tax returns I only had an average of {$150000.00} trying to go over they had two 1099 that clearly shows my income to be almost {$290000.00} I have no office expense and while yes I have to pay income tax from that my net is about {$200000.00} but anyway I finally told him I now have SS and how can that be shown. Well he said first the loan was declined but he said if I reapplied just show the SS with some bank statements that show this income I reapplied and then called the next day got some rude women who didn't seem to know up from down and I explained I sent in the tax returns again along with the bank statement which now gave me about {$220000.00} in come and she said she had to do some research and came back after a long delay and said well you incomes don't match and your declined nothing about he " line XXXX '' nonsense. This company jacked me around for over a week for nothing, and why do I say this is nonsense and completely false adverstising with some smoke and mirror double talk? I applied for a long with XXXX XXXX and from start to finish I had {$30000.00} deposited into my checking account in two days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Genesis FS Card Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was informed a week and a half ago by both XXXX XXXX and XXXX XXXX that there was a new hard inquiry on my credit report by XXXX. As I looked into it, the inquiry was from an unknown bank that I have never had any business with. Reverse searching the address and phone number on the inquiry led me to Genesis FS Card Services. 

I emailed the two emails I could find on their website informing them that I have never and will never have any accounts with them and they did not have my authorization to run a credit inquiry. They provide three types of Mastercard credit cards, which I have none. 

After my original email, I had to email twice more because they had a purposeful typo on their website with their email link that made it undeliverable. I had to fix the mistake and resend it to two different addresses. Their customer service is non existent. 

I have already filed a XXXX complaint over this issue and now I am filing a complaint with the CFPB. 

I have NEVER done business with this institution. I have NO accounts with them. I am seeking NO new accounts with them. My most recent financial account is 2 years old and with my own credit union, so there was absolutely no reason for them to run a credit inquiry. They refused to response to multiple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
this all started XX/XX/2021 with XXXX  key chain it included my banking information they made a b payment through my personal bank & also with my debit card with both i reported it and had my accounts changed it happen again. since then all my acts were compromised emails social media passwords blocking from everything and i have reported to police and also attorney general as well as cybercrime through the .gov site XXXX my email i provided was then hacked again i never received notification and hacker cancelled my report cc to himself and that was at these emails XXXX XXXX or now XXXX  & XXXX where my XXXX emails and XXXX is the one the hacker had a hold of i have tried to retrieve any emails through sites & google and i cant at all it states theres other information for a recovery phone # and email. 

other emails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have incident reports with local police department XXXX  and i met with cyber detective they said they didnt have the proper equipment to see who it is that impossible to find hacker and over XXXX accounts of mine were compromised. Thats when i did XXXX report. 
I also reported to XXXX since it started on the i phone then to my XXXX XXXX XXXX  and my internet company is aware also are the techs that come and to fix issues. 
I have bought several VPNs and they also get hacked, they have changed my router over 20x nothing works! I set and changed name of router secure passwords everything with them I have filters set on my modem and they take a couple days before compromised. 
My i cloud erased ive reported it with XXXX  security team and nothing is done i have several report # s  nothing. 
my phone # is 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 2019-10-05
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was informed via a scam looking email that my mortgage had been sold to XXXX XXXX. I was not informed in any way by my original bank, Umpqua Bank, although they keep telling me they sent out a letter. My problem is not that my mortgage was sold. It is that I was not informed as is required. And XXXX has a HORRIBLE reputation for being completely incompetent. How is this the company that I now have to work with?? I would never have allowed my mortgage to go to a terrible, unreliable company had I known. I am so disgusted that I was sent from a reputable company to a bad company without any warning. This can not be the way things are run. I think it is dishonest of Umpqua to put people in this position. I would have never given them my business had I know they would be so careless with something so important to me as my home. DON'T get a mortgage from umpqua bank!

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 2023-07-28
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this has been an issue that ive addressed multiple times. this is my XXXX attempt. please review the listed items to clear an remove all inaccurate data to clear my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation