BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been a Wells Fargo customer with a checking account since 2018. I am filing this complaint due to the recent settlement due incorrect fees being charged on customer 's accounts.

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 2020-07-28
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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:
I sent a letter off on XX/XX/2022 my tracking number is XXXX. To remove personal information that I dont want on my credit report. According to the fair credit reporting at 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hey I was just logging into my XXXX  XXXX  on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over XXXX. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX  saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX  XXXX  you can XXXX my name on XXXX XXXX XXXX is my wrestling name. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have no knowledge of this account, XXXX XXXX, ACCT # XXXX, ACCT # XXXX, and ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2022-05-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without mt 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 explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-10-20
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received an email on XX/XX/XXXX for none payment. I schedule the payments myself when I first purchase the car over a year and a half ago, on GM web-site, to be made the XXXX of every month. 
The automatic payment didn't go trough and I did not knew the reason, I used the text service from GM to communicate with a representative and get this resolved. I also use the email service from GM to email a representative and find out the issue. But I was not able to resolve it, as it was like the representatives are either not paying attention to my concerns, or doing something else at the same time ... it was very hard for me to explain again and again the same issue I finally call GM on XX/XX/XXXX at XXXX XXXX, I talk to XXXX XXXX ID XXXX. She was very professional, but for some reason, she did not understood that I was worry about identity theft, after she told me that the automatic payments was cancel by me, the customer. 
So, I make a new automatic payment setup, now for the XXXX, because the system didn't allow to go back in order to make the new and now due payment. 
I never been late and I'm in top of my credit. I'm worry about been reported as late and also worried about some one else canceling my automatic payments. 
I believe now there's two payment setup and I can not cancel any payment because I'm afraid to be late and cancel payment can not be done by any representative. It's very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: First Advantage LNS Inc.
State: MD
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:
XXXX has been on constant attack of my sister and I and the property management company they are supposedly in contact with claimed that our final bill was accurate ... In which is invalid due to the fact that the while my sister and I'm lived in our old community they had 3 changes of property management company and office personal changes even more often.. the property management company that we informed them to discuss the charges we refuse to pay with elemental because it's from when they were in charge ... When we moved it it was home properties And then sold to elemental then sold 2 days before my sister and I moved out to XXXX properties who are the same property management company that we currently live at. With all that being said we feel as if this XXXX is harassing us and the property team is discriminating and so disrespectful my sister and I felt like we weren't safe living here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-19
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was advised on XX/XX/XXXX that an account was opened with the last 4 digits of XXXX with XXXX, netspend, or ace prepaid and there was a negative balance of XXXX on the account. When I entered my SSN into the system it was a new account made under my SSN but not my current name. I was told I had to pay off the negative balance before they would unfreeze my account verified account that I have had with Ace Elite since XXXX. I have not had access to my money that is directly deposited from my employer and has been since XXXX from the same employer. I have been without account access since Thursday and I need access to my account. Any account that were opened after XXXX with my former last name of XXXX are not me. I was married in XXXX of XXXX and have sent all the proper information to Ace when my name changed. The account ending in XXXX is not mine. I need my account under XXXX opened so I can have access to my money

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 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express put a negative mark on my experian credit report for a debt of XXXX that I have no knowledge of and has damaged my credit for no reason Ive never done no dealings or buisness with them and I want it removed immediately!! They have nothing to prove thats my debt and this is illegal!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
General information : My friend sent me the money using XXXX from boa, but I did not receive it. 

Background : A friend of mine tried to transfer an amount of {$1700.00} to me using XXXX from his boa account on the day of XX/XX/XXXX. XXXX can transfer money to people by typing people 's phone numbers. He sent this money via my US phone number. 

Problem : At that time, however, that US phone number is no longer valid because I left the US a long time ago and did not continue to pay that phone service fee. However, when he sent out the money, the name pops out on XXXX 's page is still my name. We realize the problem, but there is no way to cancel the transaction. It has to wait 14 pending days. 
Then the transaction went to pending. We thought if so, and this phone number is invalid, then after 14days, the money would come back. 
However, this transaction suddenly switches from the pending state to success on the day of XX/XX/XXXX. This money did not go to my bank account. 

Ways we tried : We've contacted the BOA several times, XXXX, XXXX ( receiver 's bank ). BOA went through the dispute process and sent the file to us only proving this transaction is successful via mail. It's a large possibility that this phone number might have a new owner, and this money went to this new owner 's bank account. 
I went to att to check, and my phone number indeed has a new owner. 
Therefore, we tried to contact the person who now owns that phone number. However, it fails anyway. No one answers the phone, and text messages. 

Things I want to add : I did not know that the phone number can be redistributed after it went invalid. At that time, I do not know when I can come back to the XXXX. There are lots of my website accounts that still connect to that phone number. 
Even when people do not register XXXX, if there's someone who sent them money, there will be text messages noticing people that there are people sending you money, then just register XXXX, they can get that money. 
Now, when I tried to see the active state of this phone number using XXXX, it's no longer registered. 
Due to the lack of awareness of the mechanism of US prepaid phone numbers and banking mechanisms, such a mistake was made. However, this person took the money that does not belong to him and take it using this advantage, which makes me feel sad I am an undergrad student in XXXX, and this XXXX means very much to me. This money is supposed to pay my rent and my living expense. 

My name is XXXX XXXX, which matches the merchant 's name on the attached document.

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 2023-03-19
Company: Experian Information Solutions Inc.
State: GA
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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2023-06-20
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 sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXXXXXX  ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXXXXXX  ; XXXX/XXXX/ XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Jim Bottin Enterprises, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RevNow. XXXX calls in XXXX minutes several times a week. Block the number and they call from a new one. Its for my wifes ex husband and they keep calling. They hung up when I gave them this information. Today they said it would take days to remove my number and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions Inc.
State: CT
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:
Ive sent multiple letters to get a collection removed. Alleged account- XXXX XXXX XXXX. Its been removed and its come back as another company. Under 15 US Code 1692j Section 807 ( FDCPA ) Furnishing false deceptive forms. Furthermore proof of purchase discounted cost of the debt is requested. Provide a copy of consumers signature on a contract.

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 2018-05-03
Company: CAINE & WEINER COMPANY, INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine & Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX i received a payment adjustment notification letter in mail. It indicates that the payment change will occur XX/XX/XXXX. The interest rate shows an adjustment to a rate of 6.3 %. The payment amount for current payment is incorrect in the letter. The payment amount for the future payment is also incorrect. Per the terms of my note, I should receive a payment change notice 60 day prior to a rate change. I did not receive any previous letter. 
I called the services on XX/XX/XXXX to discuss this problem. I was on the phone for 2 hours and was disconnected 4 times and spoke with at least 7 different customer service reps. Each one gave me information that was incorrect. After 2 hours and getting disconnected for the 4th time, I gave up. 
I am worried that the servicer is not accurately calculating my payment and abiding by the terms of my note and adjustable rate rider Thank you 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