BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.

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 2023-08-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-10-31
Company: SANTANDER HOLDINGS USA, INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
Re : Cease and Desist Letter Pursuant to 15 USC Dear Santander I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law. 

I hereby request that you : XXXX. Cease any further use of my signature, personal information, or Social Security XXXX in any contracts, agreements, or transactions. 

XXXX. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question. 

XXXX. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation. 

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. 

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. 

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had the same company for my business for over XXXX yrs never late on payments I guess at some point when I was having a problem with their product they solved the problem over the phone after a few months the fix that they came up with still wasn't working so I decided to go with another company after I canceled they informed me that when they fixed my problem over the phone that I was agreeing to a new 3 year contract. I guess somewhere in the fine print that I agreed to over the phone stated the new contract but I feel that such a thing as a contract should be explained and you should know exactly what you are signing. In the end I spoke to the as all of the charges they want me to pay are early termination fees I feel as though I was roped into this contract

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Sezzle Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Sezzle was sponsoring an event ( I will provide a copy of the notification that just hit my screen for another one of there event as example ) on XXXX for a company called XXXX. This shopping spree gave away gift cards at different denominations during event. I placed an order for an XXXXXXXX XXXX and XXXX XXXX I when back to the event which was still in action. Something seemed strange as other items coming out looked very cheesy, not a popular item nowadays at all for the prices. I XXXX  what the watch and XXXX glasses were worth and compared this to what the XXXX website was selling/comparing them too. They had inflated the cost compared at making a person believe it was worth it. I immediately same night canceled order. The next morning XXXX stated they do not process cancellations, exchanges or returns. I should have purchased their recommended partnership insurance called XXXX XXXX XXXX ( available at select checkouts ). Now I have to advise both Sezzle and XXXX  my bank return the 1st installment for this order back to me, the company was flagged under FRAUDULENT ACTIVITIES AND BLOCK FROM any future deductions and DO NOT PROVIDE THEM or any company the key to your account which is the routing and account number. Advised both this is also a problem and I still havent received the item I tried to cancel and now they will not be able to deduct for the order. Contact with 2 Sezzle reps XXXX and XXXX who suggested to extend due date out. Nobody has an answer but my bank. That answer is they will NOT have access to your account at all! I am now in receipt of the package. Problem now is that I am XXXX and I cant get out to mail this package back until I receive my benefits to be able to pay for shipping etc. All they had to do in the XXXX place was cancel the order it had NOT been shipped yet. I label this as PREDATORY LENDING. The items were of bootleg types, cheap, and fake! The XXXX sunglasses were not of quality at all! I have made XXXX purchases before and these must have came from the XXXX XXXX  and them redesigned with the XXXX on the side, RIDICULOUS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

Equifax inquiries : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had nothing to do with the accounts listed

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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital One offered a {$350.00} new account bonus ( Promo code XXXX ) when certain conditions met ( direct deposits, etc. ). 
The prior deadline bonus eligibility for applying/opening an account was shortened to XX/XX/XXXX 
I applied and finished everything at XXXX PDT XXXX, but was told they need to process a few more things before opening. 
Received an email XXXX PDT saying " The application you submitted for a new Capital One 360 account, which was in a pending state for review, has been cleared. This means you can now proceed with your application. '' Saw this email about XXXX same day. 
Proceeded with application, which was regarding account funding ; prior to submitting I noticed that it said " The promotion code has expired ''. 
I immediately called customer service ( XXXX PDT ) and spoke with Nat XXXX After verifications were done, he said to go ahead and submit the funding and that Capital One could fix the timing issue regarding the {$350.00} bonus. I followed his instructions, opened the account, but it came back again saying " promo code expired ''. 
XXXX put me on hold XXXX PDT to call specialists, he came back XXXX PDT to say sorry they can't apply the promo code as application not finished until today ( after expiration ). 

I was misled by agents at Capital One, it's not my fault they couldn't finish the application in time. I definitely started the application and performed all necessary tasks in order to open the account prior to the bonus expiration deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a settlement check for {$7000.00} and couldn't cash it because I didn't have a picture id at the time so my friend deposited in to his account with Chase and the bank put a restriction on his account because they needed to get in contact with me but their system will not allow them to call if the number doesn't come back registered in my name. After ten days the check cleared and they closed his account but we did t get any information on what happened to the check. I'm having some housing issues and need these funds to put a roof over my head and so I was counting on this check. My name is XXXX XXXX, the check number is XXXX, the control number is XXXX, the amount is {$7000.00}. I also have a copy of the cleared check emailed to me from the settlement advisors that the bank Chase sent to them. Please help me with this issue thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Since my mortgage was transferred to Gregory Funding, I've had nothing but problems. I wasn't able to access their website, they said they would be resetting my password but I kept getting errors their system did not recognize my information. Then I would receive letters from them that they were trying to contact me but when I called they would refuse to help me. My statements weren't reflecting the correct payments I made. Most recently, my health has worsened, I moved my granddaughter in with me who is a XXXX XXXX. To help take care of things. We completed a Loss Mitigation application then I received a letter from XXXX XXXX of Gregory Funding that everything was received. Once again they have gone radio silent and will not help me or return my calls. Yesterday I received a collection letter from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Stating that I owe {$150000.00} to XXXX XXXX XXXX XXXX, Mortgage Backed Securities, Series XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with loan number XXXX. Now I am able to log into my Gregory Funding account online and it says I am in FORECLOSURE. I am very stressed out about this and feel as though they are trying to take away my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my Rooms to Go account for over 5 years and have paid my account on time with no issues and all of a sudden I get an alert that my account has been closed. I called and requested it the account can be reopened because I did not request it to be closed. Agent advised that do to a credit score change account was closed. So Ive worked hard to keep my account in good standing for over 5 years and the company decides to close the account and I lose all the credit history that I built. This is how you thank your customers for their loyalty. I have several cards by this company Synchony as well as my husband. This is wrong on so many levels and it really makes me want to close all accounts associated with you all if this is how you all do business. I have not showed you all any reason to close my accounts I have paid my accounts on time and dont carry a balance on my credit cards from month to month.

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: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wellsfargo charged off this account with no previous delinquency in XXXX of XXXX. This loan was taken out by a primary borrower who to this date is an active service member of the military. The team at wellsfargo have been contacted a considerable amount of times requesting the XXXX form, validation, verification of agreement, and action and no such documents have been produced- it is now XXXX of XXXX and the company has written this off, failed to due their duty for the active service member, and continue to report false information while negatively affecting someone who is a protected class.

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 2023-10-31
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
LVNV has violated Federal laws concerning the use of private information. LVNV is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting LVNV to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If LVNV isn't able to provide said items, negative accounts must be removed immediately. 

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify alleged debt LVNV you are interfering with commerce and this is a Federal Crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower was placed on a forbearance due to CV-19 related hardship. At this time she is still struggling financially and her mortgage servicer refuses to offer any alternatives to foreclosure if she is not able to pay the amount past due once her forbearance period is over. She is not able to make a balloon payment as her financial situation has not recovered. Borrower has had a difficult time getting a hold of someone at Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: MD
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Account Fraud Report Reference XXXX XXXXXXXX Incident Date : XX/XX/2022 Checking Account : Bank of America I opened an account with Bank of America for my XXXX XXXX XXXX daughter and instructed the personal banker to disable the option for over drafts on this account. If she doesn't have the funds in her account to complete a purchase transaction, then the transaction should be declined. 

My daughter lost her debit card for this account ; yet did not have any funds in the account. When I viewed her account status, there were several transactions of substantial amounts ( i.e. XXXX XXXXXXXX to {$4000.00} ) deposits and withdrawals in this account. My daughter does not have any means or access to this amount of money. I called the bank to close the account, yet was informed that I would have to transfer my funds into this account to clear the negative balance associated with these fraudulent transactions. Since the account had been compromised, I did not agree to my personal funds be used due to the unauthorized activity on a minor 's bank account.

Company response to consumer: In progress