BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
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:
In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information, Any other adverse item of information other than the records of conviction of crimes which antedates the report by more than XXXX years o 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 explanation
Consumer complaint received 2022-06-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The previous servicer of my mortgage, XXXX ( XXXX XXXX XXXX ) sold the servicing to Select Portfolio Servicing effective XX/XX/XXXX. Even though I had already made the XXXX payment to XXXX, I received an abandoned call from XXXX from " SPS Servicing '' at XXXX am this morning XX/XX/XXXX. 

XXXX searches show repeated complaints about Select Portfolio Servicing not handling payments correctly and reporting on time payments to the credit bureaus as late, and also that Select Portfolio Servicing uses XXXX to make collection phone calls to consumers on payments that are not late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT SEVERAL LETTERS SINCE 2022 FOR INQURIES THAT ARE ON MY CREDIT REPORT FROM TRANSUNION. AND ALSO THIS YEAR FOR COMPASS LEASE XXXX, XXXX XXXX XXXX XXXX XXXX .I HAVE YET TO GET A RESPONSE .THIS HAS COSTED A GREAT DEAL OF STRESS IN MY LIFE, AS WELL AS A HINDERANCE TO MY LIVELYHOOD. I HAVE BEEN TRYING TO BUY A HOME. I HAVE LOST JOB OPPORTUNIES AND MUCH MORE. THIS IS A DEFLAMATION OF MY CHARACTER AND AGAINST THE LAW. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XX/XX/XXXXAccount # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from XXXX Mail for 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 that I am never late for but they're reporting me as late.

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 2023-07-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Thursday XX/XX/2023 someone hacked my Wells Fargo account and did 3 unauthorized transactions XXXX XXXX and another XXXX charge my account is in negative now and all my bills have overdrafts my account. I called Wells Fargo immediately and told them to dispute fraud. Nothing has changed. I'm going to accumulate so many charges because of this and I don't know who transfered money out of my account for those large amounts you can even look at my transaction history and see that I have never did that big of transactions back to back before and never submitted a fraud claim to Wells Fargo before either. This is crazy.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I need some help with cleaning up my credit. I did an investigation on my credit report which caused me to develop XXXX and stress upon learning that unverified, invalid and inaccurate information is on my report. I want my report to be 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

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 2023-07-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone else report my debit card as damaged and order a replacement. Somehow got my pin # and withdraw {$6000.00} dollars from my savings account. The chase bank gave me a temporary credit of the money and after two weeks they removed the money from my account and said thatI authorize the withdraw s and practical y that I know the person that took the money, and close the case .Not only that the day that I was making the repor at the bank, there was a man using the stolen card withdrawing money at the branch.The Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX Equifax was notified via certified mail to formally investigate all accounts reporting on my consumer report. That correspondence is attached with this complaint. Equifax responded with valid reporting. Another dispute was submitted on XX/XX/XXXX on behalf of XXXX XXXX reporting incorrectly Confirmation number : XXXX. That report came back as updated. On XX/XX/XXXX I called equifax and informed them XXXX XXXX  has sold the account and therefore reporting inaccurately. Confirmation number : XXXX. The agent informed me the account would be deleted. No results were submitted to me upon the investigation. Photo in this complaint. On XX/XX/XXXX another dispute was submitted for inaccuracy and on XX/XX/XXXX the account again was updated Confirmation number : XXXX. 

The account above mentioned has been sold. Reporting as it belongs to me when it has been sold to another entity. I have no knowledge of. Therefore equifax continues to violate my FCRA rights 15 U.S. Code 1681. In the documentation the evidence XXXX and XXXX deleted from my consumer report because the account has been sold. 

I called equifax on XX/XX/XXXX to ask for an explanation on why they continue to break the law. Upon speaking with an agent. Submitting my license via an online portal and submitting a selfie the representative informed me he could verify my identity. Which is frivolous. Equifax is strong arming and delaying the process to hold it accountable for reporting accurately which violates my FCRA rights. Proof of identity, and address will be provided in this complaint to prevent any further delay into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 at XXXX I made a cash deposit of {$5000.00} ( XXXX {$100.00} bills ) at ATM # XXXX at the Capital One Branch located on XXXX XXXX XXXX , XXXX NY XXXX. The ATM malfunctioned and my funds were neither returned nor was it deposited into my checking account. This is unacceptable as I obviously need my funds in order to make necessary payment obligations. Capital One has not credited my account or contacted me back with an update despite the ATM being cleared out and the cash counted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for tour immediate assistance to correct the following late open accounts : XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance : {$9900.00}.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the XXXX date breach

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 2023-10-07
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern : TD bank unsecured credit card TD BANK N.A. XXXX THIS CONTRACT IS CANCELED SOCIAL Security number XXXX XXXX XXXX I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
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, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, XXXX, I was contacted by XXXX informing me that someone in Illinois had access to my account and that XXXX owed me {$1900.00} dollars in refund amounts. This all came from buying a new television and as I went to activate my XXXX XXXX, a phone number popped up on the television. It would not let me activate until I contacted the number. These people pretended to be XXXX. Money was deducted from my account in the amount of {$11.00} dollars. When they claim a refund was being issued. When I realized what was going on I notified XXXX, canelled my card & contacted Netspend. The transaction was still pending which makes me feel that I notified the bank in time. Isn't that what we are supposed to do? Within about a week, Netspend refunded {$350.00} of the money but sent me a letter stating that the request for my other refund had been denied. I have been with this bank since XXXX and not at any time on my account has there ever been withdrawls like this. Netspend has put a hold on my account for as little as a few dollars in the past. So if that drew questions then why didn't this? I have contacted the bank and they have filed another request to investigate, but after the first investigation, I believe that they just want to sweep it under the rug. I have also asked them to put me in touch with their legal department but no response as of yet. Their next update will not be until XX/XX/XXXX. At the point who knows what that will be. I am XXXX and unable to work any more and who can afford a loss like this? Netspend should be ashamed of themselves. I saw on another reply that Netspend says not to post on outside sites. Well, if the problems were being addressed properly we wouldn't have to.,

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 2023-10-08
Company: LendingPoint Holdings LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out personal loan from LP on XXXXXXXX XXXX XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX of today, I have made on time payments to XXXX and @ ) XXXX has been paid to settlement amount. 
LP still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with XXXX and XXXX XXXX, but LP still reports wrong amount and late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
My XXXX score is XXXX. I attempted to secure an XXXX  XXXX XXXX card from Bank of America three times. Every time their customer service people told me the card would be delivered to the address I specified. It never was. So, six weeks ago I told them to cancel the card and refund my {$95.00}. Once again, they did not do it. After being on hold for over 3 hours, they finally told me it would be done two weeks ago. It still wasnt done, so I promised to file a complaint with the CFPB. They still did not refund my money. This is a predatory and dysfunctional bank that should be sanctioned.

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