BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
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 funding # XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-09-27
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My late father took out the loan from some company advertised on TV, they then sold it to homepoint financial, who upon my Father 's XXXX refused to honor a policy which would have paid the loan off at his XXXX They sold to freedom mortgage. My late father 's will was lost, I am the only heir, I could not afford to get the house in my name. I submitted all the paperwork they asked for and was told I was a party of interest, then they renegade on that. I got homeowners insurance, submitted the paperwork, they said thank you. Turned around and said I didn't have any got an insurance company that I pay the premium on but they get the money, the last claim I had they kept part of the money. I had to pay out of pocket. and issued the check in my late father 's name. I have been out of work for 7 months due to XXXX and XXXX  and they refuse to issue a forbearance because I am not a person of interest, they have continually given me the run around, they want this house.

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 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reached out to XXXX  and Transunion twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Net spend has been receiving my stimulus payments and taxes for the past 5 years

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2022 Transunion ( XXXX ), I sent a letter regarding inaccurate and unknown items listed in my credit report. To this day, over 30 days later, I have not been given a conclusion to this matter. I am unfairly being treated. F

CRA Section 611A, clearly stated that the credit bureaus to investigated these items or immediately delete them. The credit bureau also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ). The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ).

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 2023-10-30
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX XXXX and they agreed and sent me proof that I do not have any 30 day late payments with them. XXXX and XXXX updated my credit report to show that I never had any late payments with XXXX XXXX. However, Transunion continues to show that I have a late payment on with XXXX XXXX and has not removed it from my credit report yet.

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 2021-03-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Saturday, XX/XX/2021, I'd found out that {$1000.00} was gone from my USAA bank account. I saw that money had been transferred through XXXX to an unauthorized number. I immediately called USAA to film a bank fraudulent claim. When I was on the phone, I was told that an unusual phone number was identified having access to my account. So i also went through the lengthily process of reporting my debit card stolen, had my email changed, username changed, password changed, pin number changed, and turned off the quick login feature to avoid any more break-ins. 

On Thursday, XX/XX/2021, I was emailed a response from USAA that my fraud claim had been denied. The next day, XX/XX/2021, I called back and spoke to a USAA representative and asked for an explanation to why my claim was denied. The guy on the phone was perplexed and sent me to the ER department of USAA, which apparently handles securities and claims investigations. I was told by the woman on the phone that I was denied because it was my responsibility through a scam. I kept trying to explain that no information had been given out to anyone, but they still said there was nothing they could do. That a man somehow got my information from somewhere, used it to get into my account, and made a transfer without my authorization and I was told that it's still somehow my fault. I warned that I would just keep calling back until I see my missing money reimbursed. Still, they said that the decision was made and that they hoped I'd have a nice day. 

This seems like a securities issue on their end as my phone and email were the only numbers or addresses that were authorized to get into my account, and yet despite an unknown phone number getting into my account, they still call it " my fault ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I jad a charge that the bank deemed valid it was for XXXX XXXX lrepaid and i never got service they refused to givenme my money and charged me for services not rendered i told them that i had to pay twice for the servives and still did NOT recieve my money back the charge was for XXXX on XX/XX/11

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 2018-10-24
Company: Progressive Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company called me stating that I owed money to a hospital that I did go to, however I had shown that hospital my insurance documents, so they are sending a fake scam debt collection to me. Not only did she not try to work or apologize when I had that information, she then proceeded to find another debt at another hospital. This tells me that this company, XXXX XXXX XXXX XXXX is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8200.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-04-23
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: Account information incorrect

Complaint:
Equifax is investigating a open complanent filed with CFPB. I feel since Equifax needs 60 days to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from Equifax report while being investigated unfair for this to be on my Equifax credit report when these charges were not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Freedom Mortgage Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/23 about My neighbor informed me that there was a suspicious man on my property looking through my windows. I hurried put on clothes and rush outside to see what was going on. Thats when I noticed there was blue adhesive with object affixed to my property and A strange man sitting in his car in front of my property. 

I didnt approach the car due to the fact that my neighbors were outside and the stranger in the car let down his window allowing me to give him back his object and in forcing my privacy, by informing him to never come on my property again. 

The stranger said that he was just trying to deliver a message. I assert that the stranger is an agent of freedom mortgage Who constructed a scheme to intimidate me or enforce me to contract with them so that I can adhere to their fictitious agreements. 

Freedom mortgage stays that it has a endorsed note from me as well as evidence of a loan given to me from freedom mortgage I assert the claim of fraud due to the fact that I am 1000 % sure that I have never contract it with freedom mortgage and freedom mortgage as they said in the document that sent to me they are a debt collector. Therefore proven that they do not have the ability to loan monies. 

It is my prayer that the CFPB expeditiously contact freedom mortgage due to the fact that they are threatening to seize my home where myself and my XXXX child resides and in fact have no rights or real security nor have they incurred any true debit by extending me a loan. 

I am asking that freedom mortgage provide the note that it is stating that I have contracted or enforced with freedom mortgage in addition to the securities agreement that must perform with said promissory note. 

By law if freedom mortgage can not produce a promissory note that is executed with XXXX XXXX wet ink signature Between XXXX XXXX and an owner of MAJORITY at Freedom Mortgage please required that freedom mortgage prove how it incurred any harm from XXXX XXXX or XXXX to secure XXXX XXXX estate and its assessors real property. 

In addition freedom mortgage is stating that it holds security to a loan received from freedom mortgage to XXXX XXXX in the amount of {$6700.00} that was issued on behalf of XXXX XXXX from FHA. I am attesting that freedom mortgage and its affiliates in membership of XXXX ( mortgagors listed nominee ), have conspired to commit fraud against XXXX XXXX and FHA by one of Contesting that XXXX XXXX received any parts of the {$6700.00} or that any parts of this amount went towards my mortgage account with XXXX XXXX. 

Truly 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
Consumer complaint received 2023-10-19
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi- this is a general complaint about the issuance of credit cards. I filled out the form as best I can, but there wasn't an option for " other '' so I had to select some of you default options. 

My complaint is that after an application card issuers are not required to disclose the amount of credit that they would offer you before you accept the offer. 

This makes it challenging for consumers and businesses to limit the number of accounts they open for credit management or other purposes because they can't see how much a card issuer is offering before they accept the account. 

I think CFPB rules should require that after an application for a credit card the issuer should be required to disclose the credit limit they would be willing to offer and the business or consumer should be able to negotiate at that point based on their needs or decline the offer. 

If this wasn't the right way to submit this feedback, please channel it to the right people. I think this is a very fair consumer protection to allow a consumer to see the total credit line before accepting a new account so that they can shop between issuers without having to open an account just to see what credit line is available. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Prosper Marketplace, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Prosper call 57 times in a 2 week period Then calling 30+ times one week Once then I was able to log in to make a part payment then the account was closed out and sent to different companies.

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 2019-12-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Im writing u this letter that this company claims I owe this bill. I dnt owe it and they wont delete out of my three credit report. The name of the company is Chrysler this debt is not mine and I demand to take it off my three credit report. Its not nan so I come to u to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 explanation
Consumer complaint received 2021-03-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi Im XXXX XXXX XXXX, I called all three credit reporting agencies about inquiries on my credit report Equifax, XXXX and XXXX, their failing to and refuse to help a consumer, by denying me the right to dispute information on my reports that I find fraudulent, I do not want a fraud alert, these agencies are very unprofessional they have people that does not understand federal law, example I gave a call to Equifax hung up on, transferred constantly, rude, then I spoke to someone I couldnt even understand, this is the kind of professionalism you none, I want these inquiries removed I will list them and make attachments, I recently found more, 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, these are on my credits reports one then once, and others are not all on the same report please remove inquiries, and please do not use and excuse I am the one filling out this information, and filed a FTC identity theft report, please remove all inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, Credence Resource Management , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Credence Resource Management , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief