BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Tuesday evening, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday morning, a disturbing amount of calls and text messages to my cell began. By Thursday afternoon, I received over 100 calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned TransUnion specifically. One mentioned XXXX XXXX XXXX the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at TransUnion claims TransUnion never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through TransUnion, XXXX and XXXX from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday afternoon. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.

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 2021-08-20
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I have attempted to dispute what Experian is reporting regarding my credit history. It seems they are reporting conflicting information between summaries and my actual credit report. Also there was a significant drop in my credit score but the reporting doesn't indicate why. Experian does not have a way on it's website to either inquire or dispute an issue of this kind. Although the site 's FAQ says you can add a statement, there is no way to access a way to add the statement. When trying to call Experian to discuss the issue you have to wait an endless amount of time to reach service support. It seems the user experience was designed to avoid consumers from managing damaging information published by Experian. I have submitted a prior complaint but Experian did not address complaint by saying they could access my information? CFPB closed the complaint. Why?

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 2023-09-29
Company: Collections Acquisition Company, Inc.
State: NC
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:
After reviewing my credit profile on XX/XX/2023| identified a discrepancy with account listed under PAYLIANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: IL
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 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-12
Company: EQUIFAX, INC.
State: LA
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 convergent : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: MI
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CCF Intermediate Holdings LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have called the company multiple times over this past month to get access to PDF copies of my loan statement. Every XXXX weeks, I pay money and the balance is not moving. I have no access to my loan statements to see how payments are applied and what fees are assessed. I call them and am on the phone for over XXXX minutes often with no resolve. I've emailed as well and I still don't get access to my bi weekly loan statements. Yet, they auto debit my account every XXXX weeks. This is not truth in lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a checking account with Suntrust Bank that was closed and charged off. Much of those charges were bank charges that got out of control. 

An unrelated checking account held by me with the same bank just did a " Force Pay Debit Memo '' reference XXXX took {$2900.00} from my checking account without permission and notice. This money was to pay my car payment, utilities, and Food. I am now in a destitute situation because of this unauthorized transaction.

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 2021-08-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am continually being called on the telephone by ARS ACCOUNT RESOLUTION over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter.

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 2023-09-29
Company: EQUIFAX, INC.
State: MD
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied to aidvantage in XXXX. My loan is currently with XXXX from XXXX federal student loans criminally sold to XXXX. 2 mnths after I applied for consolidation, they denied me for having an active judgement. I applied for XXXX  XXXX bankruptcy protection in XX/XX/XXXX. Of which ended in XXXX of XXXX, almost 4 mnths beforehand. Every attempt to resolve this problem has went unsolved. Ive waited 2 mnths for an application to reapply which hasnt been mailed to me. I just need help to reapply with a company that will consolidate my loan. This site will not allow it even after 6 months of waiting and having to deal with Aidvantage. They are part of the problem with predatory lending, yet somehow they are once again forced upon me. They will be the reason my loans go unresolved and deferred. Please send a link to apply for direct consolidation through another company. My first complaint wasnt read. I recieved a email that stated absolutely no help XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am writing to formally submit a complaint regarding the discriminatory experiences I encountered while attempting to apply for a credit card at Wells Fargo Bank, specifically at the branch located in XXXX, North Carolina. My complaint pertains to the bank 's inconsistent treatment of credit card applicants based on their immigration and residency status, which is in direct violation of U.S. regulations and the principles of equality and non-discrimination.

During my attempts to secure a credit card from Wells Fargo Bank, my applications were repeatedly declined, with bank representatives insisting that I needed to provide proof of XXXX citizenship or XXXX residency. It is important to note that this requirement was never communicated in any pre-application documentation or during the application process, and there is no public disclosure of such a requirement as a condition for credit card approval by Wells Fargo. 

Of great concern is the fact that two acquaintances with immigration and residency statuses similar to mine were able to obtain credit cards from the same Wells Fargo branch without any issues. This discrepancy in treatment has led me to believe that there is an inconsistency in the bank 's application evaluation process. 

In an effort to address this issue, I visited the branch and filed a complaint for resolution within the Wells Fargo system. However, to my disappointment, no one from the bank has reached out to me to address my concerns, nor have I received a clear and satisfactory response regarding the specific requirements, if any, for XXXX citizenship or residency for credit card approval. 

I hold a valid Social Security card and am currently legally employed in the United States. Additionally, I possess credit cards issued by other financial institutions, which suggests that I meet the necessary criteria for credit card eligibility, provided that consistent standards are applied to all applicants.

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 2022-02-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX,,,, fortiva credit card company is calling me at XXXXIhave asked them to stop calling me while im at work, home and on my free time and they will not, don't have a credit card with them..fortiva, calls me, this is very stressful, and XXXX... they will not stop!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: MI
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:
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 Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/23 I wrote a dispute to the 3 major credit bureaus XXXX, XXXX, and XXXX. The account that this complaint is about is Bank of America ( Account ending in XXXX ). I asked the credit bureaus to investigate because the balance should be XXXX. It is a charged off account which has been sold to debt collectors, I say debt collectors because I have received 2 notices from two seperate companies telling me that I owed a debt, with the original creditor being Bank of America. Now I am getting a response to my dispute from Bank of America as well, on two occasions. One on XX/XX/XXXX and one on XX/XX/XXXX. Both state I owe a blance of {$470.00}. So now Bank of America is illegally charging me a balance after selling my debt to not one, but two debt collecton agencies, which are also contacting me to pay this debt. I want this inaccurate account removed from my credit report and updated the balance to XXXX immediately. This is highly suspicious activity and honestly I would not mind getting a lawyer at this point because Bank of America is supposed to be a reputable company but now it turns out they are looking to collect a debt from ME as well as sell my debt to TWO debt collectors to get even more money.

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 2023-05-05
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Genesis Financial Service regarding my account being blocked due to change of address request. I contacted them and informed them that I did not open this account and reported fraud. They advised me to contact the FTC and register a complaint in the meantime they would close the account and investigate the fraudulent account. There was a charge made for XXXX to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: TX
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 received a copy of my credit file and enclosed is an account list under XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts which do not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within  that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970

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