BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish Amy information relating to a consumer to any consumer reporting agency if the person knows or has reasons 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 2021-01-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After Wells Fargo approved our Covid forbearance as my husband only worked 2 weeks a month, I applied for assistance and I was just informed we no longer qualify for a modification and need to foreclose or do a short sale. We have no where to go. Family of XXXX with a XXXX year old. They are giving me 14 days to decide on a short sale. I just received the letter today, XX/XX/XXXX on a letter written XXXX XXXX which leaves me 7 days to decide. I have been XXXX since XXXX  due to a work accident so it hasnt been easy for us.

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 2022-09-09
Company: Southwest Credit Systems, L.P.
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:
On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Southwest Credit Systems, L.P. ( " SWC '' ) detailing their actions harming my consumer reports. I have never given SWC my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. On XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from " XXXX XXXX '' in their compliance department that specifically states " we are not obligated to provide a signed agreement ''. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly SWC is 100 % required to communicate with me prior to sharing any information with a nonaffiliated third party. SWC failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. Precedent has already been established by the The United States of Appeals, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of SWC. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
USBank is my mortgage holder. for the past XXXX  months they have been mishandling my mortgage payments. on or about XX/XX/XXXX i received my annual escrow analysis. as I did XXXX XXXX every month I make my payment early and overpay {$200.00} to princile and direct {$30.00} XXXX to escrow. i submit a monthly check with USBANKS. payment stub. On that payment stub i directed the additional payment goes as directed. In 24 months USBank only directed the addition escrow one time XX/XX/XXXX. XX/XX/XXXX i spoke with them and they said they would rectify the problem. They did not. I have spoken with USBANK several times. they claim i have a shortage of {$1500.00}. i explained that that is ridiculous i overpay and i spoke with my city about the taxes and my isurance Co. both told me USBANKS # s are flawed and way off. I explained on advice from the city of XXXX and my insurance agency i will pay taxes and insurance directly. since they are mishandling my funds. They were rude at me. told me the way they applied the funds was better for me. told me to write a letter if i wanted to " escalate ''. my claims. So, I did and have not heard back from them. 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 2019-06-17
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been in contact with Premiere Credit of North America , LLC for payment of my back taxes owed to the Indiana Department of revenue. These people are extremely hostile. When told that I have been out of work for several months on a XXXX XXXX and that I could be out for a while longer they replied " So how are you going to make these payments that you are trying to arrange? '' Then went on to tell me that if the payment was not kept or if the card that I felt I was FORCED into giving them would not accept the payment that they would levy my wages and lock down my bank account. Both of which are MY property and nothing that I think a CREDIT AGENCY should EVER be able to have access to. These people are the most disrespectful type of people I have ever talked to in my life. They LIE to get you to give them a card just so they are able to take some sort of action. All of this over {$1000.00} in tax debt to the Indiana govt. I've been constantly beaten back every time I have tried to work with them on any sort of payments with " Well if you wanted to make payments then you would have already worked that out with the state, so we need the full amount now or we will put your accounts on hold. ''

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 2023-10-10
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting 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 was checking my credit report and noticed unauthorized hard inquiries on my credit report. I have no knowledge nor did I request any new credit. I believe these inquiries are identity theft and would like this removed as soon as possible I also reported this to the FTC

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 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a Bank of America customer for 14 years. 

On XX/XX/XXXX, I was alerted by Bank of America over text message that there were three potentially fraudulent transactions being taken. These charges, taken within the same minute, were charges of {$87.00}, {$470.00}, and one over XXXX XXXX XXXX which got declined. Upon receipt of these texts I immediately called BofA to tell them those charges were not from me, and request that my card be cancelled and to have another one sent to me. I informed them that I had my card on my person, which the BofA rep said was strange because the person using the card used a chip, but that she would take care of the matter immediately, credit my account back and open a fraud case. 

I was confident that this would get resolved easily as I was in Connecticut, where I live, and the fraudulent charges were occurring at a XXXX  in XXXX, New York. I had also used my card at a physical XXXX XXXX store in XXXX, CT only a few hours earlier. I could not be in two places at once. Additionally, the rapid, incrementally larger charges were pretty clear cut fraudulent behavior. Lastly, I have been a good customer of Bank of America for over a decade with no history of something like this happening. I trusted Bank of America to take care of this for me. 

On Wednesday, XX/XX/XXXX, I look at my BofA app and see that I have two " Fraud Dispute '' charges of {$87.00} and {$470.00} put back on my card. I called BofA immediately and they said that the claim was denied and that because a chip was used then it must have been me or someone else that had my card. 

I have called multiple times to file complaints and ask that this get looked into further. I was informed that I'll hear back in approximately 90 days on the results of this claim, but I assume that this will again be thrown out as " a chip was used. '' No one at BofA has reached out to me to explore anything further, ask questions about how I could be in two places at the same time, etc. I'm not sure how I went from being a valued customer to a liar and a criminal so quickly in BofA 's book, but I need this to be resolved as I do not want to just throw away {$600.00} that I did not spend.

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 2019-06-17
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:
XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.

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 2023-02-15
Company: EQUIFAX, INC.
State: PA
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. 

Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  Account # : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX, XXXX Account # : XXXX, Account name : XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX Account 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 2023-11-01
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was doing some work for a friend and he owed me {$500.00}. We both was out of town. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I needed money for formula, diapers and travelers fee so he sent me the money and pay me through an invoice And because they thought it was suspicious. They close my account which has the funds in it told me that I would have to wait 90 days before they release my phones no matter what I sent the right appropriate paperwork and the information that they were asking for and they still would not let me talk to the investigation or affairs board

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
At this time, I respectfully request a copy of my XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
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 2022-09-09
Company: Self Financial Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
account showing as negative, account was paid in full never late asked for update no response to date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CUSTOMERS BANCORP, INC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We paid our loan off in the amount of XXXX on XX/XX/XXXX. Payment was made by our title company. At the same time we submitted a payment of XXXX that was also processed on XX/XX/XXXX. This resulted in an overpayment of XXXX that we were to be refunded back. We had received an email from customers bank on XX/XX/XXXX stating there was an over payment and it would be credited to the account they had on file. We followed up XX/XX/XXXX and received an email stating there was no over payment. We called Customers Bank on XX/XX/XXXX and we were told it was a system issue and they had lost the data and could not process refunds. We have called customers bank today and were told there was a complaint filed but it would take 10 days before we would hear anything. We feel this is essentially stealing and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NM
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Company claims I had two charges totaling a XXXX $ however the card was lost and I couldnt access my account online with paperless billing and it was showing up to active my new cards when I finally received a call I called them back and they wouldnt tell me what the charges where and are charging me over XXXX $ in fees I asked to to come to a settlement explaining the situation and confirming my payment history with the card that it was always paid a fees days after it was used she said no and hung up on me. I wouldnt have known to contact them if I didnt use the card and they wont even explain what the charges are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a text for a work from home opportunity on XXXX XXXX XXXX XXXX. I was told to email a guy named XXXX XXXX through XXXX to get the job process started. I downloaded the XXXX app and started messaging the guy named XXXX XXXX. He informed me about the company and the job responsibilities that I would be doing. He sent many interview questions for me to answer in order to determine if I was a proper fit for the position. I answered all the questions then he gave me a score of XXXX. I got offered the position as an XXXX XXXX XXXX. Fast forward, He said the company provides the equipment for the job but I would have to receive checks from him in order to send them to the vendor to receive the equipment. The first check was for {$2300.00}. He told me to print out the check he sent through XXXX and then deposit it to my account. I did that then he said send {$1000.00} to the vendor. I did that then he said send {$1200.00} to the same vendor. I also did that. Day later, the bank said the {$2300.00} check in fake. But before that, he sent me another check for the amount of {$2000.00}. I found out today that check is fake as well. Now I owe my bank for the first check. The amount is {$2200.00}. I don't have that to pay back the bank and also it is not my fault. The second check was caught before I was able to take any further action. Thank God! XXXX is not helping me at all. They say I have to go through the actual bank to settle this matter. Santander is giving me a difficult time and they told me it usually very hard to get money back when involving XXXX  Documents : I have much more evidence to provide but can't at this time.

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 2023-02-28
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: Their investigation did not fix an error on your report

Complaint:
I file a dispute regarding no late payment I have always been on time and got a letter from the creditor report account in good standing never late.

Company response to consumer: Closed with explanation