BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
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:
UPDATED AND NEW INFORMATION ON EXPERIAN : On XXXX  I stated that EXPERIAN has made false statements and violating my privacy without my consent pursuant to 15 usc 1681 ( 4 ) & 15 usc 1681b ( a ) ( 2 ). You can see more information about that and my identification information here : CFPB CASE NUMBER:XXXX Today is the XXXX day ( XX/XX/XXXX ) Consumer reporting agencies only have 30 days to respond to the consumer disputed INACCURATE ACCOUNTS, ADDRESSES, AND HARD INQUIRIES on my consumer reports Pursuant to 15 usc 1681i ( a ) & 15 usc 1681i ( a ) ( 5 ). Experian has failed to do so in a timely manner, so everything in my attachment document shall be deleted from my consumer 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 explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act 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

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 2023-12-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 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  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: In progress
Consumer complaint received 2023-01-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
midland Credit {$680.00} and I have no knowledge of this account. I have not gotten any information of this accont. I have contacted them and of course no response I would like for them to stop harrasing me about account that they can't verify. Then it says XXXX XXXX and when I call them they say they have no information and now I have a credit report with this name one here and it isn't mine, I also asked how did you purchase a debt and they can't verify that either. 

MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business Portfolio Recovery Associates is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between Portfolio Recovery Associates and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: WESTERN UNION COMPANY, THE
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2023 @ XXXX XXXX  I purchased 2 money orders amount of {$1000.00} from XXXX address : XXXX. ( WESTERN UNION MONEY ORDERS ) XXXX XXXXXXXX XXXX XXXX. 
XXXX, ND. XXXX XXXX week later we lost our money orders due to weather incidents on our vacation. Money orders were blank and have positively not been cashed or stolen as my family and myself witnessed with our own eyes the money orders flying in water at a lake resort, for sure % 100 they are not in any way shape or form salvageable to be cashed. With that said, I do have the receipt in that I purchased them from at XXXX XXXX XXXX XXXX XXXX department. Also, may I add I purchased them with my XXXX bank card.. 
9 days after purchasing both money orders I filed 2 money order refund/ tracking claims through western unions website attaching copies of original receipt with serial numbers. This is the Reference icare claim number I was given @ 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 2023-06-11
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servis One , Inc. DBA BSI Financial Services received my regular mortgage payment early but did not apply it on time and did not notify me that my payment would be late.

They received multiple checks in one envelope about a week before it was due.

They cashed all of the checks before the payment date. 

They applied the others that were in that same envelope but not this one. 

The person processing the payment could have seen that all three totaled the regular monthly mortgage payment but they did not. 

I am simply asking that they correct the late payment report My payment was made on time All my payments are made on time They did not apply it correctly. 

They did not notify me of any problem. 

This is a serious issue that probably affects many other mortgage holders. 

Please see if you have other complaints of this nature about BSI Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We opened an escrow account with another company. By direction of the joint owners, two disbursements were made by US Bank. US Bank advised that one of the disbursements were made in error. We advised US Bank that both disbursements were made and error and sought to correct both errors. US Bank only wants us to correct one error. Not correcting both disbursement errors will result in our company being defrauded by the other joint owner of the account.

The escrow account administrator has failed to act in an impartial, fair manner to correct both erroneous disbursements.

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 2023-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a credit card in the mail yesterday ( XX/XX/23 ) from BMO Bank that I did not apply for. It was a card in my name with XXXX XXXX from XXXX XXXX XXXX on the card as well. I did not recognize the name and when I tried to close the account the bank would not let me because it is a corporate account with a {$700000.00} credit limit. I did not authorize nor sign for any card to be opened under my name. I did not sign any papers or fill up any application form to apply for any credit card from this BMO bank. It is my first time hearing about this 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 2023-01-14
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:
I reviewed my Consumer Reports and noticed that I had late payments and misleading accounts on my report, I was never late and fix some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts, and update the erroneous accounts also : 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 2023-06-11
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX, XXXX overdraft my checking account for coffee and breakfast which put my account negative XXXX dollars and change. I was short a XXXX for a medication my insurance is not covering so I have no choice but to overdraft the XXXX dollars. So XX/XX/XXXX my account is negative XXXX and some change. XX/XX/XXXX XXXX account is XXXX. It's unfair that the bank is charging me extra XXXX dollars for overdraft fees. XXXX the fee down so they can charge for extended overdraft fees. Key Bank is unfair and the employees are rude I understand that overdrafting is my fault but my health is my priority. I have made better arrangements for this issue don't happen anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-01-21
Company: EQUIFAX, INC.
State: CT
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 suddenly moved during the pandemic and I alerted the Company. My address was not updated and I do not have online access and never set it up. The law requires that I must receive my bill in time to pay it which I did not. The company refused to remove late fees interest and a XXXX late from my report stating that I had online access when this is not true. If this isn't resolved I will contact the ombudsman of the CFPB to intervene. I have never been late and my account had a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Synovus Bank
State: OH
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:
First progress credit card reports to credit companies before my cycling dates. My bill is due on the XXXX. They reported on the XXXX. My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX fine this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The retail associate from Victoria Secret opened a credit card under my information without properly explaining the entire details. It was projected as a " rewards card '', I was never told that it was a credit card. Few months later I started getting bills for transactions I did not make. I called the company to help me, they never really resolved it,. I recently just checked with my XXXX report and there are anomalies like payments made which I never did. I did not even know the card existed in the first place. So now its a whole mess and I need this taken out of my report for it is affecting my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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: Investigation took more than 30 days

Complaint:
When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened up a Wells Fargo checking account in 2017, and they kept charging me ridiculous fees, like overdraft ( Which I never did ) then they charged me a monthly fee for not having XXXX in deposits ( When they told me there was no monthly 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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 non-monetary relief
Consumer complaint received 2023-06-11
Company: ACIMA CREDIT, LLC
State: NY
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:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment, they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XX/XX/2022 there are XXXX inquiries from XXXX seperate companies on the same day XXXX XXXX  XXXX XXXX XXXX XXXX I reached out to the dishonest company transunion where the info only posted and they are giving me the run around and claimed they did a investigation but gave me no proof. There still dishonest after the government says that they will be help responsible for targeting certain group of people

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 2022-11-11
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:
In accordance with the Fair Credit Reporting ACT XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX 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

Company response to consumer: Closed with explanation