BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a lawsuit from Midland stating that I owe them a debt from the original creditor XXXX Bank. The lawsuit included the bill of sale, an affidavit from Midlands legal team, a document from XXXX stating they the documents were accurate. They also included two billing statements absent the transaction history page for me to verify the correct balance owed. I responded to the lawsuit compelling arbitration and to dismiss. Attorneys for Midland then responds stating that arbitration is not mandatory and a suggestion basically. Not only do I not agree with the balance, Im unsure how one part of the contract be binding and another be a suggestion. Midlands attorney then told me that it was my responsibility to initiate arbitration. Ive disputed this balance with XXXX, Midland and the major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: AL
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, accounts, or items 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 accounts or information which is found to be opened due to identity theft. The dispute items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES

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 2022-08-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX and WELLS FARGO CARD SERVICE has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX XXXX 2021 TRANSUNION posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

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 2022-11-07
Company: EQUIFAX, INC.
State: CA
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:
YOUR COMPLAINT This account was not investigated properly I believe my right to a timley investigation was violated and a original signed document was never produced. 
XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 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 2018-10-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've been trying to resolve this issue for over a year now. I had a XXXX XXXX card in XX/XX/XXXX. I lost the card around XX/XX/XXXX. I reported it lost. I received a new card from Synchrony bank. I became dissatisfied with the transfer process of my card transactions for my 1st card to my replacement card. I paid my balance in full and cancelled the card in XX/XX/XXXX. I asked for the membership fee to be reveresed as well as the finance charge associated with the membership fee to be reversed. The annual fee appeared on my 1st card. XXXX XXXX has an issue with linking replacement cards to their customer 's accounts. They failed to close both the original and replacement card. They failed to reverse the finance charge and membership fees from the original card when the replacement account was closed. Post closure of the replacement account late fees and and finance charges accrued on the 1st account which were eventually transferred to the replacement account. I spoke to several representatives in XXXX and XX/XX/XXXX to ensure this issue was resolved and that my credit bureau was cleared of this collection. I considered this issue closed as of XX/XX/XXXX.I contacted each credit bureau to dispute collection file. It is now XX/XX/XXXX and I received a collection notice from XXXX, XXXX XXXX XXXX for {$370.00}

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 2021-04-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My husband transferred XXXX XXXX from his XXXX account in XXXX using the correct account number, name and address of an XXXX Checking account on XX/XX/XXXX. 
The funds didn't arrive for some XX/XX/10 days. 

After contacting XXXX they informed me that their checking account can not receive international transfers and the SWIFT code used in his transfer was for receiving international transfers to their brokerage account. E-trade use Well 's Fargo as an intermediary for international transfers - so the XXXX used for the transfer was Wells Fargo 's. 

XXXX informed me that I should ask the sending bank in XXXX XXXX XXXX XXXX to send through the XXXX of the SWIFT transfer for them to track the transfer, which was then sent to them on XX/XX/XXXX. After following up on XX/XX/XXXX, XXXX said there was no information on the XXXX that identifies XXXX as the intended beneficiary bank - my husband hadn't included a routing number. 

XXXX then told me to ask the sending bank to recall the transfer as it's probably stuck at the intermediary bank XXXX Wells Fargo XXXX. The sending bank ( XXXX XXXX tried to recall the funds but was unsuccessful - they said we need the beneficiary 's approval. But as the intended beneficiary is me, and I didn't receive the funds in my E-trade account, there is no one to seek approval from. 

The sending bank have said they have done all they can & E-trade have also said they can't talk to Well 's Fargo because there is no identifying code on the XXXX for XXXX. 

So the funds appear to be credited to an account that is not the intended recipient and the intermediary bank is not willing to return back the funds to my husband. 

Hoping that with your help there will be some resolution to this. 
I've included the XXXX with the account number removed showing the XXXX XXXX of Well 's 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 2023-07-25
Company: KEYCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have 2 Key XXXX Gift Mastercard issued by Keybank for XXXX and XXXX dollars. respectively. The expiration date on the {$200.00} value card is XX/XX/XXXX and the expiration on the {$50.00} value card is XX/XX/XXXX. 
Both cards were registered on the website with my name and address. 

I attempted to use the cards for an online purchase and was unable to do so. I reached out to on XX/XX/XXXX and spoke to XXXX who checked and said that the cards were inactivated and that I was going to receive a check in the amount of {$250.00} within 30 days. Reference number for the call is XXXX. 

It has been more than 30 days and I still have not received the check from the bank. 

I just called the phone number on the back to the card ( XXXX ) and was informed today, XX/XX/XXXX, that due to inactivity of more than XXXX years, I am not going to receive the balance of {$250.00}, I have the original paperwork that came with the cards and there is no mention of the funds taken away due to inactivity. Both cards are still within date. I would had used them earlier if the information was written clearly. 

I had been saving the cards for a special occasion. 

Please feel free to contact me for additional information. I appreciate any help in this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: DISCOVER BANK
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred {$170000.00} from my XXXX XXXX account to discover bank account on XX/XX/2020. I received an email from discover saying the funds have been transferred successfully and will be available on XX/XX/2020. When I checked the discover account, the money had been reversed for some reason but the money never made it back to my XXXX XXXX account. I have spoken to multiple people at both XXXX  and discover without any results. All I know is that the money left my XXXX XXXX  account and was electronically transferred to discover bank account on XX/XX/XXXX. Discover bank is telling me they never received the money. XXXX XXXX never received a notification that the money was being sent back. It has already been two weeks and discover has not settled this matter to my satisfaction. Either discover has stolen the money or it has been grossly mishandled. Either way, it is not acceptable. I need the money returned to my XXXX XXXX account without delay. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-05-24
Company: Duvera Billing Services, LLC
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:
So I sent a letter off on XX/XX/2024. To remove DUVERA BILLING SERVICE Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights. 

According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted my employer certification forms for forgiveness of my student loans based on the Public Service Loan Forgiveness program on XX/XX/XXXX. These certifications covered XXXX, XXXX through XXXX, XXXX, all of which were qualifying employment for the PSLF program. The submittal page indicated it would take XXXX business days to process, which I understand is normal. These forms were all submitted as part of the same packet. On XX/XX/XXXX, my account was updated to reflect the forms were " processed '' and a notice would be sent within 7-10 days. On XX/XX/XXXX, a payment tracker appeared in my account. On this payment tracker, the period from XXXX XXXX XXXX did not appear in any part of the tracker-either the eligible or ineligible period. This period of time was not on a pick list or part of any count. The rest of my employment was displayed except this period. 

I contacted MOHELA via live chat on XX/XX/XXXX to inquire as to why this period was not appearing in my account at all. The individual responding to the chat, XXXX, indicated my forms would be submitted for reprocessing to include this employment in the count. I asked how long this would take, and XXXX indicated it would be another 90 business days. The PSLF Form Status on my account also indicates it will take another 90 business days to review the same documents. I have not received an explanation as to what happened to cause this reprocessing to be necessary and it is especially confounding given the rest of the forms or periods of time appear without issue. 

This is an unacceptable administration of this program. These documents were in the same packet and there appears to be no way to track where these documents are in the process. The idea that it will take another 90 business days to " reprocess '' when they already have had the information for three and a half months is absurd when my financial future is hanging in the balance and I have been eligible for forgiveness for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: VA
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:
This XXXX account is reporting without maximum possible accuracy and the proper verification under the FCRA this is my second attempt to remove the following account XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion score changes every other month to XXXX then to XXXX. This has been going on for a year with TransUnion. Something is going on fraudulently and I need this to be investigated immediately

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 2023-11-07
Company: Colony Brands, 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:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2020-08-18
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 Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this

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