BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 U.S.C 1681 section A. States I have a 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 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines i.e. last verified, date of last activity, date reported, date opened, dispute status, account status. EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT!! The account is in charge off status but it is still reporting I have a balanced owed that is not possible if the account has been charged off on the companies profit/loss statement. This is also another FCRA violation and also tax fraud in the eyes of the IRS.

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 2023-02-06
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX : I sent a paper check to my mortgage servicer, Mr.Cooper on XX/XX/2023, with delivery expected by XX/XX/2023. 

The check arrived at Mr. Cooper on XX/XX/2023. 

I called Mr. Cooper to understand the status of my payment on XX/XX/2023. I was told that by the agent that they had not received it yet and at this point I was advised to put a stop payment request on the check sent on XX/XX/2023. 

Mr. Cooper then attempted to cash this check on XX/XX/2023. For 8 days the check sat unprocessed by Mr. Cooper. That check was returned NSF as I was told to put stop payment and send a new check ( I was notified of the NSF on XX/XX/2023 ). 

I sent a new check on XX/XX/2023, with expected delivery of XX/XX/2023. Mr. Cooper has still not processed this check as of XX/XX/2023 and has since marked my account as past due. 

My XXXX payment was sent on XX/XX/2023, and has still not yet been cashed by Mr. Cooper. 

Due to Mr. Cooper 's delays in processing my checks, they have placed my account in Overdue status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: FinCo Services Inc DBA Current
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I received an email to my work address indicating a virtual card was opened. I went on their website immediately to find contact information. There is no phone number and a bot for a chat person. I left a message via the bot and also filled out a form indicating I wanted the fraudulent account closed. I received an automated email to the form cancellation request and responded back about the fraud and never heard back from them. Then on XX/XX/XXXX I received another email indicating a physical card was in the mail to my house. I have no way to know what information they have in their systems. This is the second online bank that has done this to my work email the other being XXXX ( however I was able to chat with someone online about that one and get follow up from the fraud team ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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 had noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX, XXXX ( XXXX creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XX/XX/2022.

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 2023-12-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After repeated attempts to get the debt collector to stop contacting me, they continue to do so.

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 2023-09-25
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I signed up to get a new US Bank XXXX XXXX XXXX credit card for one purpose : to pay my outstanding {$4300.00} balance for a cruise I bought from XXXX XXXX. The bank advertises that the credit card awards 4X points for every dollar spent on travel expenses, but they only credited me XXXX. So instead of XXXX points, I got only XXXX points. When I questioned why I did not get XXXX points, I got this reply : " We do not have the ability to control how merchants classify their businesses. Therefore, we reserve the right to determine which purchases qualify for additional rewards. Our records indicate XXXX XXXX XXXX XXXX classifies their business as a travel agency. Purchases must be made directly with airlines, hotels, car rental companies, taxicabs, limousines, passenger trains, or XXXX XXXX to qualify. This means your transaction ( s ) to XXXX XXXX XXXX XXXX do not qualify towards the additional rewards. '' Obviously, XXXX XXXX is a CRUISE LINE. Look at their website here : https : //www.starclippers.com/us-dom/ In my opinion, this is classic BAIT-AND-SWITCH and FALSE ADVERTISING.

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 2023-12-03
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
A vanilla gift card was purchased and loaded in XXXX store on XX/XX/2023 and loaded with {$490.00} dollars. The card remained in package until today XX/XX/XXXX, when I opened the package to attempt to activate card for a purchase. 

The vendor for the vanilla gift card ( inComm  ) provides a card number in the back of the card for assistance but uses an automated system where a live representative can never be reached. 

Went back to the vendor ( XXXX  ) which was unwilling to issue a refund for the card but they denied accountability. I spoke to the XXXX XXXX @ the XXXX and XXXX location in XXXX, TX. They mentioned I need to figure it out with the gift card vendor. 

Upon logging in to vendor site again, card is showing a purchase online for XXXX ( even before I had opened card ) and I was able to click dispute to request refund. Upon submitting dispute, a case was generated but there is still no way to communicate with company. The case number is XXXX. 

I found a number to contact where they mention to contact XXXX XXXX XXXX XXXX XXXX at XXXX. Upon contacting them, they were unable to assist me with a refund and are now saying I must wait up to 90 days for investigation without any compensation for loss of funds that I never got to use. 

I have also tried to view information about my case in their site to confirm submission and the site is unresponsive and simply displays " An error has occurred while tracking your case ''. 

It is unacceptable that finance company is on purpose setting up systems to make it almost impossible to gather updates and information about the issue. It should also not be legal for finance company to be allowed to carry a dispute witholding funds while fed interest short term rates are at over 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2019-09-04
Company: CORELOGIC INC
State: OH
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:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX , XXXX XXXX XXXX XXXX, OH 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 2023-09-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Two bank accounts opened under my name despite a fraud alert placed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format formateignoring to report. 

Account XXXX After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates. XXXX XXXX XXXX XXXX 

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NV
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:
In accord with the Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C.1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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:
This letter complements my lawful and rightful consumer compte rendu of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notice constitutes my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately made a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal complaint and a call for swift action on your part. You are non-compliantly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are in violation of the FCRA aka the Fair Credit Reporting Act. The violations can be subject to fines and damages. I am providing you but this one last opportunity for resolution of this reported item. Previously, I had sent you a letter advising you that you were carelessly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it implies that my mailed note was shockingly disregarded.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have an UNAUTHORIZED credit account such as XXXX XXXX XXXX ( Acct # : XXXX ) ( XXXX XXXX and XXXX XXXX XXXX  ( Acct # : XXXX ) ( Trans-union ) XXXX I also have an UNAUTHORIZED hard inquiry - XXXX XXXX ( XXXX XXXX XXXX I also have an account that is inaccurately reporting on my credit report as well XXXX ( Acct # : XXXX  ) ( Transunion ).

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 2023-09-23
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I, XXXX XXXX, have been a victim of fraud and theft which lead to unauthorized charges on my Albert bank card ending in XXXX. On Friday, XX/XX/XXXX. I reported the crime to XXXX PD, the unauthorized/ fraudulent Albert card transactions were investigated and deemed as felony theft and fraud crimes. 

On Friday, XX/XX/XXXX, I provided the XXXX Police Departments case # XXXX, to Albert for supportive evidence of the fraudulent charges. 

I repeatedly request for Albert to act on the fraudulent charges and have not received adequate consumer support. 

I have repeatedly requested for their response via email 6 times without any response. 

Via text, Albert continues to only text communicate with me, avoiding addressing the fraudulent charges solution. 

I have approximately {$500.00} in fraudulent unauthorized charges on my Albert card that I am requesting for Albert to address immediately. 

Per XXXX PD, no one from Albert had yet reached out to confirm this case and fraud / theft crime. 

I stated that I am requesting immediate attention to this matter due to immediate financial obligations as this fraud occurred on my pay day I also informed Albert that I will also be pursuing legal action for Albert to address this fraud that has left me robbed with damages for approximately {$500.00} as they continue to neglect clear communication with their process in which they intend to carry out

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation