BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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-Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Account form my credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
The card I received never worked since day one. I have spent several hours on the phone with the services team with the number on the back of the card ( XXXX XXXX ) I attempted to withdraw money from a local US Bank in person from a teller. When they ran the card it came back on the machine as fraud. I called the number on the back of the card and the service rep said they would remove that and that there is no problem. I have made a total of 12 calls and gone into the bank 9 separate times to have them to run the card. Still comes back fraud. 

I have jumped through all the hoops they requested of me, including uploading a picture of my face and sending a picture of my passport, ID ) and at this point I'm suspicious of them for fraudulent holding of money. I am still not able to get my money and they claim my ID I uploaded is " cut off '' But I used their system and called a rep right after I uploaded and he confirmed the ID was received and it would take 2 days for the hold on my card to be lifted. 

I am suspecting the company that handles ReliaCard services and fraud-management team as a fraudulent and corrupt vendor for US-Bank.

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 2017-12-18
Company: Sokaogon Finance, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$290.00} I initially applied for payday loan with the understanding that I would be charged small bi-week interest rate until I payoff the full amount. Apparently, I was NOT! AWARE! of the small fine print that the company was charging 400 % more than what I was charged. This company refused to to accept that fact they mislead me with their fees and interest and all they said was it was my fault because I didnt read the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
What step were taken in the reinvestigation process. Please provide because On previous complaint # XXXX Transunion continue to avoid their obligation to conduct a thorough investigation on the inaccuracy of my consumer report. This complaint was closed on XX/XX/2022 with the explanation of needed additional information however I did receive this letter dated XX/XX/2022. But I also received XXXX additional correspondence dated XX/XX/2022 reinserted XXXX XXXX to my consumer report and another letter reinserted XXXX XXXX XXXX XXXX to my file. They are circumventing the CFPB portal to cause harm to me and my family well being. The closing Feedback from Transunion is completed FALSE!!!! For indirect disputes filed with CRCs, the FCRA requires that, upon receiving notice of the dispute from the CRC, the furnisher must conduct an investigation with respect to the disputed information and review all relevant information provided by the CRC. 20F 21 The standard for investigation of indirect disputes is, like direct disputes, that the furnishers investigation must be reasonable. 21F 22 Examiners found one or more furnishers violated these provisions when the furnishers responded to CRC notices of disputes without verifying the accuracy of the disputed information but instead with instructions to the CRC that the consumer should contact the furnisher directly and that the disputed information should not be deleted. In response to these findings, one or more furnishers are developing dispute handling policies and procedures to ensure the investigation of disputes is in accordance with the requirements of the FCRA

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 2021-05-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed an identity theft report on XXXX XXXX XXXX account additionally XXXX  and XXXX followed the law and deleted the accounts, This is clearly fraudulent information that Equifax is still reporting so it needs to be removed immediately per the FCRA 15 U.S.C. 1681 and 15 U.S.C. 1681c-2 ( a ). I have attached evidence of Equifax reporting this inaccurate fraudulent information. Furthermore, Equifax and XXXX are reporting XXXX XXXX XXXX inaccurately, and non congruent when XXXX had removed the fraudulent account, this also needs to be reporting accurately per the 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Verisk Analytics Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2019 I contacted LCI Inc ( part of Verisk Analytics ) to put a security freeze on the report they furnish/manage. I received a response letter by mail dated XX/XX/2019 that states they are not a credit reporting agency, freezing my account is not possible, they do not need my permission to supply this data to XXXX. In my personal opinion, they are a credit reporting agency and need to START acting like one by being compliant with the consumer credit reporting laws. If they are furnishing/verifying/supplying/giving public data such as bankruptcy information to another company, Credit Reporting Agency XXXX , then they ARE a credit reporting agency that is OUT of compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: TN
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:
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right XXXX privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' XXXX is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' XXXX is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Avant the financial institution and the Consumer reporting agencies XXXX and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied be otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " 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 ST naccurate. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2022, someone opened a credit card at Truist Bank in my name and put {$3200.00} on it. I do not bank with Truist at all! I found out about it in XX/XX/2022 and I have repeatedly tried to speak with someone in the fraud department or customer service at Truist concerning this. In late XXXX XXXX I was finally put in contact with a Truist fraud specialist who was supposed to be handling my case. On XX/XX/XXXX, I sent this " specialist '' a copy of documents confirming my identity ( things that she requested ) via email. I have repeatedly tried to follow up with her by email and phone to get an update and she has failed to respond. This fraudulent credit card remains on my credit and is ruining my credit score.

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 2023-07-10
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My daughter received a call from a company that stated that my property was in foreclosure. She thought it was a scam so she called PHH on my behalf to discern if this was the case. It was confirmed by representative XXXX, employee ID # XXXX, that the property was on foreclosure. My daughter informed me and I requested to know what occured. Although all taxes were up to date on the property, according to the representative, the company paid the the XXXX XXXX XXXX {$3000.00} on behalf of the property in XX/XX/XXXX. I was not informed of this even though they said that there was correspondence to me, I never received anything. My daughter called back to find out if the amount could be paid by virtual check only to hear from another representative, XXXX ID # XXXX, that the amount had changed to XXXX. The original amount was confirmed with the previous representative more than once and also with this representative. The cost to remove the home from foreclosure increased in less than an hour. This is not the first time that I depleted my funds just to remove my home from foreclosure for miscellaneous charges by this company that I was not informed of. I am on a fixed income and do not want to lose my home due to shady practices. Although I have sent through a check via mail to resolve this matter my money is now next to nothing and I am suffering. I was supposed to be refunded money from this company for charges that were duplicated but I have yet to receive any of my money back although I have been charged randomly throughout the years of this contract. I feel like this company is trying to scam me out of my home. They have already paid a large sum in restitution for illegitimate business practices in XXXX and now I feel like they are still attempting to siphon money from unknowing borrowers but on a quieter scale. I would like my mortgage agreement and payments to be reviewed to ensure that the costs that are consistently brought upon me are valid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

I AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT. 


1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 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 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 XXXXXXXX

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 2023-05-02
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
As of XX/XX/2023 bank of America has denied my claim for the money that was stolen out of my account while I was in the hospital. I've sent them documents proving my claim as well as provided them with a police report They denied my claim with no legit reason ad to why my claims were denied. I was not given provisional credit either and not given a reason as to why not. Please help me I am going to loose my place to live and more

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo unfair overdraft fees

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late.

I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I would like to state that XXXX, XXXX, and Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If XXXX, XXXX, or Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report 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 2021-05-17
Company: Credit Plus Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : XXXX XXXX Credit Plus, 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Hello, I have refinanced my loan with VW credit inc and the account was closed from XX/XX/XXXX. There was an over payment on the account of over {$2000.00} due to cancellation of service protections. I have called VW once or twice a week to get the status of my refund and every time it is a different story. I need my money back

Company response to consumer: Closed with monetary relief