BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Someone called me from XXXX XXXX, saying that he was calling about a lawsuit from Money Key and that I was going to be served for the debt owed. He said that I refused to pay the money owed to Money Key, roughly {$800.00}. He asked, is that correct? I said absolutely not. I told him that I've been working very diligently to repay my debts over the last several years. 

I was recently diagnosed with XXXX and XXXX, after diagnosed with XXXX  in XXXX. I had gotten into so many payday loans when I had XXXX XXXX XXXX. However, I had worked on settling this debt. I had thought I'd settled this debt previously. 

He asked if I could resolve the debt in 2 payments in 30 days. I told him no, I still owed on my rent. He said he could get it taken care of for me as a financial hardship arrangement on four payments every two weeks at {$180.00} each payment, with a {$5.00} processing fee per transaction. We set up the payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

He insisted I use a XXXX or XXXX number, not ACH. I was unaware at the time that this was a huge red flag. I gave them my debit card number, but did not sign any paperwork. Later, I found out my SSN was compromised back in XXXX of this year. I contacted CFPB who suggested I request my credit reports, review to see if the debt exists, if not, contact my bank to stop payment with them, then place security freezes on my credit reports. 

I also tried to search the company, and could not find any information on XXXX XXXX. When I called to get the amount of the transaction, I called XXXX and left a voicemail. No one ever returned my phone call. I called again on XX/XX/XXXX and spoke with XXXX XXXX. 

He called me on XX/XX/XXXX from phone number XXXX, when the transaction did not go through. I asked for a validation of debt. He said I received the XXXX on XX/XX/XXXX. I looked through my emails to the address he said and could not find anything. He said he would resend. 

He actually sent the information to a totally different email address that he did not confirm with me. He called me again and I requested a validation of debt. He said they are not a debt collector. I told him if Money Key would like to send me a validation of debt, I'll be glad to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. It has been since XX/XX/2020 I sent certified disputes in mail off & I still havent heard from the 3 credit bureaus & Im tired of waiting. I need results NOW!! COVID-19 should not give these people the power to not follow the FRCA!! This is a Violation that needs to be handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: LEXISNEXIS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2018-12-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo bought my mortgage and soon after tried to cross sell me flood insurance that I did not want or need. I proved this case conclusivly, but Wells Fargo lied that they could force this insurance and they reapportioned my mortgage payments to pay their flood insurance and began foreclosure proceedings. I hired an attorney and we sued them. Wells Fargo ( with your help ) " agreed to '' clean up my account, return all unlawfully escrowed money back into my mortgage payments, and pay {$15000.00} for ruining my credit for 4 years. Wells Fargo asked that I close my complaint with you ( CFPB ) in XX/XX/2018 and then they would settle this case. I did and Wells Fargo paid my attorney {$15000.00}, and then " RENAMED '' their escrow account with me as a " different '' debt instead of returning it to my mortgage account. Wells Fargo was informed of this issue by me and my attorney. They knowingly ignored it, and then ruined my credit again. 
My husband can not retire. We can not get a mortgage on our homestead, We can not refinance investment property or get development loans in some commercial property that we own. Before this Wells Fargo nightmare began, we had planned to refinance a rental home at 3.5 %, to pay off a student loan, and situate ourselves for retirement with a 3.5 % home loan on our homestead. None of this has been possible. My husband is XXXX-years-old, my student loan has grown beyond control, interest rates are climbing far beyond 3.5 %, and a personal loan with a family member is being called in. 
Please reopen the complaint that you closed in XX/XX/2018. Wells Fargo has breached their contract and settlement with me. The costs to settle this case are the costs for me to reclaim my plans listed above. Please note that the issues listed are not " mistakes, '' but instead predatory acts by Wells Fargo.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is regarding a purchase that I've been trying to make for the past 2 days online using my Ashley XXXXXXXX XXXX XXXX I have been receiving an error message that my payment can not be processed and that I need to check my billing address and payment information. I have checked everything, and it all seems to be correct. I have even called Synchrony Bank and Ashley Furniture Mart. Synchrony bank informed me that everything I verified was correct, so the point of contact was Ashley customer service. I spoke with a representative today and they advised me to use XXXX chrome and that still did not fix the problem. This has been overwhelming, and I have yet to get this problem resolved. This is a birthday gift that I am trying to have to my niece this week and the unfortunate circumstance is slowing down the process. I will attach the error message I am receiving as well as the email that was sent to the customer service agent that helped me. He advised me that if it didn't work when I tried XXXX chrome that he would assist me, but he has yet to reply. I even sent an email to the suggested email when I received the error message to no avail. I am requesting that someone reach out to me via phone to correct this problem. There is no reason why I should not be able to use my card. The product item # is XXXX. Please see the attached documents.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 was a victim of the XXXX and Transunion Data Breach. I want these items Deleted from my Credit Reports. As you can se, the CAPB actually deleted because i was a victim of this Data 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: VYSTAR CREDIT UNION
State: FL
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 am writing to dispute and bring to your attention what appears to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. My concern pertains to my credit utilization.

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Upon reviewing my credit report, it seems that my credit scoring may fall within this exclusion.

Additionally, 15 U.S. Code 1681a ( 3 ) states that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. I would appreciate clarification on the procedures followed in relation to inquiries on my credit report.

To assist in your investigation, I have enclosed a copy of my credit report highlighting the relevant information and discrepancies. I kindly request that you conduct a thorough review of the matter and provide a written response within the time frame specified by the FCRA.

If it is determined that there has been a violation, I request that the necessary corrections be made promptly to ensure the accuracy of my credit report. Additionally, please provide me with information on the steps taken to prevent similar occurrences in the future.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Per 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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 have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. 

These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. 
I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients

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 2021-07-19
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I attached the email that I received this morning. 

Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 

By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-08-10
Company: WELLS FARGO & COMPANY
State: NJ
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 was using a lawyer named XXXX XXXX XXXX who was not responding to my phone calls, and texts. He also did not show up to court. I complained to the Judge XXXX XXXX of XXXX New Jersey who agreed that the lawyer had abandoned the case and allowed me to fire the lawyer and seek council ... I paid him {$2000.00} of which I used my Wells Fargo debit card to pay him {$1000.00} of the {$2000.00} ... After he was fired I demanded that he return my money in full and he ignored me... I subsequently made a credit dispute with Wells Fargo on the amount of {$1000.00} and they rejected the dispute. I asked Wells Fargo what kind of investigation they did and what evidence that the lawyer provided that refuted my claim and they told me that the Wells Fargo policy was not to release any information on the investigation. This is a farce... Wells Fargo has since removed the details of the dispute from my account and will not give me access to my old statements trying to make it disappear. I have subsequently found out that Wells Fargo did not even reach out to XXXX XXXX XXXX and will not answer my questions of what type of evidence they had to make the decision ... I want to see their file on how they made their decision because it is obvious that Wells Fargo did not do an investigation and arbitrarily without any reason rejected my dispute

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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