BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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 am writing to bring to your attention a matter of significant concern regarding the conduct of XXXX XXXX XXXX XXXX, a financial services company. It has come to my attention that XXXX XXXX XXXX XXXX  has violated my rights under the Privacy Act of 1974, specifically in contravention of XXXX XXXX XXXX and XXXX XXXX XXXX, as well as related Code of Federal Regulations ( XXXX ) sections. 

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe XXXX XXXX XXXX XXXX has violated, in conjunction with related CFR sections, are as follows : XXXX XXXX XXXX- The Privacy Act of 1974 : XXXX XXXX XXXX XXXXXXXX, in its handling of my personal information, has failed to adhere to the provisions outlined in XXXX XXXX XXXX, which outlines the conditions under which personal information XXXX be disclosed and the rights of individuals to access and amend their records. 

XXXX XXXX XXXX- The Government in the XXXX XXXX : XXXX XXXX XXXX XXXX actions appear to contravene the provisions of XXXX XXXX XXXX, which governs the openness of agency meetings and the disclosure of information. I assert that XXXX XXXX XXXX XXXXXXXX lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : XXXX XXXX XXXX  XXXX XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding XXXX XXXX XXXX XXXXXXXX data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by XXXX XXXX XXXX XXXXXXXX and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have repeatedly been into the Wells Fargo Bank branch ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) in an attempt to close my checking account. At each occasion I am told it can not be closed until I talk with the branch manager. The manager is always busy but I am told they will be available in 15 or 20 minutes. If I wait 15 or 20 minutes I will be told it will only be another 15 or 20 minutes, etc.. I have been through this at least four times now over the past month and a half. 

I believe Wells Fargo is deliberately making it difficult or impossible for me to close my account. In the meantime, they keep taking {$30.00} a month from my account. I want to close my account and withdraw my funds. I also want WFB to refund me the fees they have now charged me for XXXX and 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 monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please be advised that as of XXXX  as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to TRANSUNION resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Authorized Representative for XXXX XXXX Without prejudice, all natural inalienable rights reserved.

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 2021-03-11
Company: Selene Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, We're filing this complaint to bring to your attention the extremely nefarious manner in which Selene Finance is handling our request for a loan modification - There is a sale date on our home, scheduled for XX/XX/XXXX and we were certain to make sure that we submitted all documentation before the 35 day cut off requirement, to be reviewed for modification. 

- We originally submitted ( emailed ) 57 pages of documentation on XX/XX/XXXX ( 38 days PRIOR to sale ) - Receipt of those documents was CONFIRMED on XX/XX/XXXX, by XXXX, at Selene Finance. She claimed that the email was received, however, the documents could not be uploaded and recommended that we follow up the next day - We followed up on XX/XX/XXXX and spoke with XXXX, who confirmed once again, that the email was received, but the documents still could not be uploaded and recommended that we attach the documents individually to a new email - We sent an email on XX/XX/XXXX ( 37 days PRIOR to sale ) and on XX/XX/XXXX, we confirmed with XXXX that all documents were, in fact, RECEIVED ON THE XXXX and that our file was being set up for review - I've just hung up the phone with XXXX and she informed me that a letter was mailed out yesterday, denying our request for modification - claiming that documentation was not received within the 35 days prior to sale time frame. 

This is absolutely FALSE and in violation of XXXX XXXX XXXX guidelines! 

Kindly assist us with this, before we're forced to approach the Wisconsin Attorney General 's office and file legal action against saline. This current action is just an ongoing series of deceptive business practices and Federal fraud on their part I've attached screencaps of ALL emails ( with dates of transmission ) and notes from every conversation regarding this matter I can be reached at any time at XXXX Thank you for your help with this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. A couple years back my luggage was lost at the airport. When my bags were finally located the suitcase with my laptop computer was never found.The laptop had all of my personal information on it including social security number, driver license number, address, my kids information etc. There are some fraudulent accounts that have showed up on my credit report over the years.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. The late payment is inaccurate because the payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

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 explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX Account number 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.

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 2021-03-10
Company: Credit Karma, LLC
State: NY
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:
Credit Karma is reporting inaccurate information on my credit report. The AGE OF CREDIT HISTORY is not accurate on my credit report and thats a fraudulent act against me. Why are some of my accounts showing a history of 3 YEARS AND SOME MONTHS but CREDIT KARMA is reporting 1 year and 6 months which is not true. If your company is not going to report the truth, why bother to report at all. CREDIT KARMA IS REPORTING FALSE INFORMATION AND MY CREDIT SCORE IS INACCURATE because of it. I am being denied credit by companies because of the current inaccurate information being reported by CREDIT KARMA. I also checked with XXXX XXXX and XXXX. They have all the correct information in their system on the account and dates. So Im left to wonder why would Credit Karma have the information incorrect on propose in their system. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The credit company is midland credit management they reached out to a member of my family whom I do not speak with and is on bad terms and they had disclosed my information to them. This was on XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXBalance Owed : {$0.00}, XXXX XXXX Balance Owed : {$18000.00}

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 non-monetary relief
Consumer complaint received 2019-10-02
Company: MARINER FINANCE, LLC
State: VA
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:
Mariner Finance Company - I was late for two months XXXX XXXX company summons my husband and I to court. I paid all late fees and paid extra and therefore Manager said I didn't have to go to court - he would drop the court case. The Manager did not drop the court case kept it open until XX/XX/XXXX - that was not a problem since we paid every month on time. We paid the loan off early in XX/XX/XXXX - We pulled a credit report recently and they showed we was in collections from XX/XX/XXXX to XX/XX/XXXX ( account was paid in full in XX/XX/XXXX ). They also show that we were late 120 days per month from XX/XX/XXXX to XX/XX/XXXX. How could we be 120 days late each month - I have proof from the bank statements we paid on time. I called the local Manager and she said that it is their policy since we was gon na go to court to show us in collections. I tried calling the company since late XX/XX/XXXX to fix the problem. I even wrote to the CEO - I received a letter back stating they would fix the problem and problem is not fixed as of XXXX XXXX. On one credit report they did remove the collections however they are still showing 120 days late even after the loan was paid off. I've called numerous times and begged for them to call me back - they called me three times and said they would fix - still not fixed. On one call I said I would drive to Maryland to have a person meeting - I did get a call from local branch and she said for me not to go there they would fix problem. Again ; still not fixed. I explained we are trying to buy a home and we can not buy a home - due to this incorrect information. They should be fined for damaging my credit for all these years and all of the additional fees I paid to other creditors due to this negative information. This is beyond sad that Mariner would treat their customers like this- please do not use their services.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: KY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-10-11
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
A few months ago I was being harassed by XXXX XXXX at Ed financial. They have picked up harassing me again.

After last time was pulling teeth with the company to do anything I'd like to see more action taken by them this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I called American Express after opening a XXXX XXXX XXXX XXXX to inquire about a promotion offered for XXXX miles if you hit a certain spend threshold. The representative was going to contest my being declined for the rewards and would get back to me. I followed up on XX/XX/XXXX and the representative told me that the miles were approved and I will be receiving them. Based on that information, I made financial decisions with the knowledge that the miles were coming : I made a large purchase that day on the Amex card instead of using a different card, and I also redeemed miles for a flight that I otherwise would not have done. I called back on XX/XX/XXXX to check on the arrival of the miles and the representative said they were coming and they take 6-8 weeks from the point that the spend threshold is met. By XX/XX/XXXX, the miles had not arrived so I called Amex again. For the first time, the representative told me that my miles offer was declined and that I would not be receiving the miles. They had no explanation for why two previous representatives informed me that the miles offer was available to me and that the bonus miles were going to show up in my account in a matter of weeks. They also had no specific information as to why the miles offer was denied. Additionally, Amex sent me a mailer asking me to apply for the same card and that there was a similar offer of ( now ) XXXX bonus miles. At the end of the day, we're talking about ~ {$1000.00}. It's not an insane amount of money. However, I was given specific information that I'd be receiving this bonus from TWO representatives ( on XX/XX/XXXX and XX/XX/XXXX ) and I then made financial decisions based on this false information. While the representatives may have been misinformed, that's on Amex and not on me. I have enjoyed my different Amex cards and their services since XXXX, but this is ridiculous. Amex is supposed to be the company who fights issues like this for their cardholders ... they shouldn't BE the issue. I then reached out to the XXXX XXXX XXXX to have them assist in getting this resolved. AMEX did not resolve the issue, but they sent me a written letter in the mail claiming that their representative did in fact tell me that my appeal to be eligible for the promotional bonus miles was successful and that I would be receiving the bonus miles when I hit the spend threshold. The letter continued that they would retrain this individual. They apologized. They also stated that I will still not be receiving the points. I have this correspondence where they admit fault and follow up to do nothing in the way of making this situation correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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