BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF 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 XXXXXXXX, ACCT XXXX XXXX XXXXXXXX, ACCT XXXX XXXX XXXX, CONSUMER XXXX XXXX, all 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 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 XXXX 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 2017-12-04
Company: SYNCHRONY FINANCIAL
State: KY
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:
There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXX This inquiries were never authorized by me and I would like them 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 explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a consumer, I am once again requesting a detailed explanation of all the steps your agency undertook to ensure the 100 % accuracy of the reported items, as mandated by 15 U.S.C. 1681i ( 7 ) - Method of verification - Description of reinvestigation procedure. According to this section, a consumer reporting agency is required to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher if reasonably available. This description should be provided to the consumer by the agency within 15 days after receiving a request from the consumer for that information. I expect full compliance with this request.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had over XXXX deposited in a Wells Fargo account. That money disappeared so fast with overdraft fees and a negative balance. I do not believe the money was all spent in consuming thing but by the bank stealing money that I didn't owe.

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 2023-03-05
Company: Recovery Management Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
RMS illegally ran a credit inquiry on XXXX without my consent. I never did business or consented to do business with this company. It is affecting my credit negatively due to their illegal business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XX/XX/2021, I contacted PennyMac Loan Services about my existing mortgage. I am currently on a forbearance plan due to the impact of the COVID-19 pandemic. I recorded my phone conversation with XXXX. I asked for an extension of my forbearance and asserted that I am still being affected by COVID-19. XXXX asked me in what way was I still being affected ( e.g., loss of pay, reduced hours, not working ). I reminded her that I was not required to provide this information. She stated ( quoting exactly ) " It is for documentation purposes. For us to continue it, we have to document how you are still impacted. It just can't be that you are impacted. '' I responded to her statement by letting her know that the law does not require me to provide additional information/documentation beyond making the assertion that I already made to her. She emphasized that the questions she asked were not intrusive. I told her that was irrelevant. I also told her about my recent complaint to the Consumer Financial Protection Bureau regarding PennyMac 's previous incident in using quid pro quo tactics whereby PennyMac refused to provide me information about my account and answer questions about my forbearance until I answered their additional questions about my COVID-19 hardship. The representative stated I can call back when my forbearance expires and that she would not honor my request to extend my forbearance. XXXX stated a date that I could call back, but I was unable to make this out during the actual call. During the call, I tried to ask her about the date she stated I needed to call back. She refused to ansewer and, instead, flooded the phone with several pieces of information. I attempted several times to let her know that I couldn't hear her and to ask that she repeat the vital information. She refused to do so and, instead, directed me to visit PennyMac 's website. I have included attachments of publications on the Consumer Financial Protection Bureau 's website that provide instructions and guidelines to mortgage servicers. Beyond the plain language of the CARES Act, these additional publications make it clear that PennyMac is required to provide a forbearance and an extension of a forbearance upon my request and assertion of continued harship as a result of COVID-19. PennyMac 's refusal to do so and PennyMac 's refusal to answer simple and routine questions about my forbearance ( not to mention as a repeated offense ) constitute the main claims of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights are being violated under 15 U.S Code 1681b and 15 U.S. Code 1681c-2 for the following accounts See Attachment ....

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 2023-03-10
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-03-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have called chase several times requesting a wire fraud scheme of {$16000.00} dollars sent to an XXXX XXXX who was then sent to a XXXX XXXX. 

I sent them money for and XXXX verification badge in XXXX of 2022. As of today I have been blocked on all platforms and denied a refund for the service that was never rendered. When I opened a wire recall withdrawal and spoke with representatives they said it was up to who I sent it to. 

I spoke to XXXX several times who begged me to cancel it and he would help me retrieve my money. That never happened. So I have been defrauded of {$16000.00} and many others have been as well. I will attach the links below. 

I tried to escalate this with chase and they essentially told me tough luck. 

I want a solution to this. I filed a complaint with the ftc and fbi as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2020-03-27
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:
I recently disputed a bankruptcy that I saw on my credit report with your company. I disputed it because it is unverifiable, yet you updated the report with the statement that the account was verified.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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 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 2020-05-07
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first received a bill for I believe over {$3000.00} worth of damages from XXXX XXXX XXXX XXXX  that were mine. I told XXXX that I was shocked to hear this as I did not damage the vehicle at all. After contacting my former insurance company ( XXXX ), they investigated the matter and found that XXXX failed to conduct a final walk-thru with me, therefore I was not liable to pay anything because there was no proof that the damages were done by me. 

One XXXX was made aware of this, they sent me a bill for the {$750.00} stating that this was the amount I owed for the damages done to the vehicle. I explained to XXXX that XXXX XXXX notified them and myself already, stating that I did not owe any money due to there not being any proof that the vehicles damage came from me. XXXX continued to send me bills for {$750.00} for which I was told I do not owe and will not pay. Currently, the bill is with Transworld Systems Inc., a debt collect agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out this loan because I had a few payday lenders that were bankrupting me. Mariner was the only company that would give me any relief by reducing my payments to one a month and extending the time period I have to pay, but only under a Title Loan option. I accepted because it actually appeared this was a rare good financial institution offering things like protection from possible disasters like unemployment or XXXX requiring the Taking of my car. But like one of the most famous FL XXXX XXXX XXXX and XXXX in history, XXXX XXXX, this company smiled and took me in by not letting the true monster out till there was no escape. Within the first few months of taking out the loan in 2019, I was the male victim of a XXXX XXXXXXXX. Thankfully, the man who did this to me is now in jail. That event created a XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX, eventually leading to my being laid off at the start of the pandemic. What is occurring makes no sense and is fraudulent. I am a XXXX individual with a title loan that has XXXX insurance. 
But in an insane through the looking glass twist, Mariner says I have to be working while XXXX to take advantage of it. What? Obviously, most XXXX individuals can not work. This company also has unemployment insurance on the loan, but like a XXXX XXXX, the unemployment insurance has a time limit, which I apparently have exceeded. Ha!! Even more shocking, I received approval for XXXX from the state of Florida already almost a year ago because of my XXXX. This occurred based on my paperwork alone without even interviewing me. Florida did not expand XXXX unlike most states, so this approval shows how severe my case is. Still, I was notified of car repossession by this sick predatory lender yesterday. It is absolutely nuts to be a company that offers XXXX and unemployment insurance and I am a person who qualifies under both insurances, and Mariner still wants to try to take my car, as opposed to having the loan continue to be paid under the insurances I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For about 8 months, I have been getting recorded calls asking for someone other than myself or anyone in my family, ( sounds like XXXX XXXX ), I assumed they would fix the problem if I didn't call back, since it is not me they are asking for. The other day I finally called to explain to them they had the wrong person and to take my number off their list, I don't know this person, As I was speaking the man says oh ok, by the way is this XXXX XXXX, Then he proceeds to tell me I have a XXXX outstanding CO pay due with his collection company, GLA Collection Company,  To start with I pay the CO pay at the time of service, so this can not be true, and second is this tactic legal? Please let me know how I should proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX Transunion and XXXX please remove the inquiries 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 non-monetary relief
Consumer complaint received 2020-03-23
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
( Related to XXXX-XXXX-XXXX  # XXXX & FTC XXXX with XXXX & FTC XXXX with XXXX  ) On XXXX, Discover approved COMPLAINTANT 'S credit line application that was pre-approved. After that, COMPLAINTANT has put in a separate application for a checking account. SSN, Passport, Driver 's license, and utility bills were all uploaded for each application. However on XXXX, when COMPLAINTANT called Discover, its representatives and COMPLAINTANT had the calls disconnected for 8 times until 9th and 10th calls went through. ( After each time COMPLAINTANT stated his SSN, DOB and address, calls were suddenly disconnected ). Later on there was an error on the application which required COMPLAINTANT to put in another application to successfully generate a check account. On XXXX around XXXX XXXX  PST, COMPLAINTANT attempted to setup a XXXX profile within Discover banking website. COMPLAINTANT is a user of XXXX cellular tower in the area via mobile-virtual-network-operator " XXXX XXXX. '' Discover uses SMS number XXXX to send temporary passcode to its users. However, from XXXX to XXXX XXXX, COMPLAINANT has experienced delays in receiving these codes via SMS text or emails. Sudden surge of text messages within 2 second span of time clearly shows that some other factors were preventing these messages/calls from going through. This has been a recurring issue and COMPLAINANT has corresponded with " XXXX XXXX '' around XXXX and its representative has indicated that there's no widespread issues with XXXX  cell-tower affecting other users in COMPLAINTANT 's area nor in general. " XXXX  XXXX '' indicates that this is possibly due to usage of " femtocell '' or cellular network / IMSI catcher/ etc in COMPLAINT 's neighborhood area as no issue is reported with XXXX network nor " XXXX XXXX '' customers in general. On a different note, COMPLAINTANT has reached out to Discover on XXXX at XXXX XXXX for XXXX XXXX/XXXX issue. Its debit card remains on XXXX XXXX XXXX/XXXX  system yet credit card was not being added to XXXX XXXX system. Discover representative has blamed XXXX for refusing to allow its card on its system. COMPLAINTANT wonders how many of Discover or XXXX XXXX customers have their credit cards not be added on XXXX XXXX system. On XXXX XXXX, COMPLAINTANT has emailed Discover per its request for investigating this issue further.

Company response to consumer: Closed with explanation