BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 remove unauthorized/fraudulent credit inquiries from Experian credit report. 

XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-12-16
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act POSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-01-25
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:
XX/XX/2020 at XXXX XXXX  somone somehow withdrew XXXX dollars from a BOFA atm using my card that I had on me. First they did an inquiry than pulled out XXXX than another XXXX the next minute I got a notification saying my account was below XXXX. As soon as I find out I call the bank report it the cancel the card and send out a new one. I call the police and file a report as well as try to get ahold of the claims department unfortunately I couldn't reach them till the morning at XXXX because they were closed at that hour. So I make a claim they say wait 10 days so I thought I was good. 3 days go by I recieve a new card on the mail I go online to activate and find out my account is frozen. I call BOFA they say to call edd to get it open and as far as my claim goes it has been closed the rep had told me. I call edd tell then they say they cant do nothing. I call BOFA back ask for a supervisor and they say edd has to send some kind of code thru the computer to unlock it and than I can re open my claim and say to ask for a tier 2 agent so i do it and I speak to a edd supervisor they tell me they sent over a uisd request to BOFA to wait 10 days and call both agency 's to find out am update. So I do and nothing. Now this time being frustrated I contacted my local news place and I filed a complaint on this website. I recieve a phone call from a lady saying she's looking into it and she will call me with updates which she never did I never received anything or a phone call back. Now recently on the XXXX of XXXX I check the edd card account and it's open again. I call BOFA to try and reopen my claim so they can investigate and I get transferred to a fraud rep they tell me I need to contact my agency ( edd ) and he transfers me back to the regular edd debit card rep. I've been going through this going on 2 months now and I want my money back I've made report police reports talked to supervisors and I'm not getting anywhere please help 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 monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-02-02
Company: MARINER FINANCE, LLC
State: MD
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 received a loan from Mariner Finance in early XXXX. Unfortunately I was incarcerated around this time and was unable to make payments on the loan. On XX/XX/XXXX I was still incarcerated but received a letter stating that my account was going into collections, which is understandable. Eventually Im released and on XX/XX/XXXX I called Mariner Finance and spoke with XXXX XXXX XXXX in regards to the letter attempting to collect the debt I owe. I agreed to settle the account and pay {$3500.00}. On XX/XX/XXXX the {$3500.00} was deducted from my XXXX  account and paid to Mariner Finance. The Problem comes when I check my credit report and see that the account is still in collections and still has a balance of {$1000.00}. I attempted to dispute through XXXX but I had no luck it remained the same. I called back on about XX/XX/XXXX to speak with XXXX XXXX, I explained to her that my account was still in collections and I had a balance of {$1000.00}. I asked why and she became very hostile, stating that she is not obligated to explain anything to me. I was taken back because my previous conversation with her was pleasant. So I ended the call and tried other ways to resolve this issue through XXXX. After being incarcerated my personal financial situation took a big hit, but I still attempted to resolve my debt with Mariner finance With the thought that it would repair my credit/credit report also, but that was not the case. XXXX XXXX was polite when I was making the payment to settle the account but never explained to me that it will still remain in collections until paid in full. ( I thought paying a settlement amount actually settles the account ). Why would I make a payment of {$3500.00} to still have my account sit in collections? I feel mislead and taken advantage of by XXXX XXXX, and XXXX XXXX Hostility during our second conversation confirmed to me that she knew she mislead & neglected to inform me of the process & what happens next after I made the payment. I havent yet to receive a letter of payment from Mariner Finance as Promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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 non-monetary relief
Consumer complaint received 2023-06-28
Company: SECURITY FINANCE CORP
State: IL
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:
I have received a false credit inquiry on my XXXX credit report by a company called : Security Finance. The brick and mortar store shows to be at XXXX XXXX XXXX, XXXX, XXXX, XXXX. I received the notice through XXXX and consulted with a Fraud Restoration Specialist through XXXX at XXXX. She tried contacting Security Finance on the phone number provided but received nothing but recordings and directing her to a website. The website provided instructions if a credit dispute is required which simply requested a letter in writing to : Consumer Reporting, XXXX XXXX XXXX, XXXX, SC XXXX. I have written a letter via certified mail requiring Security Finance to remove the hard credit-pull from my credit history. I, nor my family, have instigated any reason for ay type of credit pull on our part or against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I had a fraudulent charge on my card. I filed a dispute that was denied by Chime. I was able to file a second dispute that took up to 45 days to review, which also ended in a denial. Despite the fact that I've told them that I did not authorize this charge on my card, I was told they found nothing wrong and refuse to cover the fraudulent charge of {$110.00} to King Soopers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-22
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know dates or amounts of the debt they are claiming I owe

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 2023-09-10
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield never gave me a chance to dispute this alleged debt, which breaks the law 15 U.S.C 1692g - Validation of debts. On XX/XX/, I took matters into my own hands and sent Hunter Warfield a debt validation letter. In the letter, I asked Hunter Warfield to validate this alleged debt with the following questions : 1. The name and contact details of the original creditor. 

2. A detailed breakdown of the debt amount, including any interest or fees that may have accrued. 

3. Proof of any written agreement or contract that establishes my liability for this alleged debt. 

4. Verification that your agency is authorized to collect this alleged debt. 


Hunter Warfield ignored my previous questions and only answered question 2. Hunter Warfield responded to my debt validation letter by stating I owed {$320.00} with a XXXX XXXX  interest rate and ignored all my other questions that would validate my alleged debt. The company sent me a lease application agreement but did not send me a contract between me and Hunter Warfield.

Hunter Warfield violated code 15 USC 1692d- Harassment or abuse because the company reported this alleged debt to my credit which can ruin my reputation. 

The XXXX XXXX XXXX is the original creditor, and they sold my personal information along with the debt, to Hunter Warfield which is a violation of code 18 USC 1028. I know they sold my personal information to Hunter Warfield without my permission because Hunter Warfield has my old address where I no longer reside on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank is holding a check whose funds were already released by the issuing bank. They are refusing to contact the bank or the check issuer to confirm validity. They said their internal system does not recognize the company or number that issued the check. The only recourse they are offering is to wait up to 10 days. I will be overdrawn as a result. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX & XXXX XXXX XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez Mortgage XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  Month 's in a row I've had to call them to receive a payment statement, once received it's already past due + taking XXXX weeks to actually cash the check. 
I've called customer service XXXX  times only to have them tell me that they'll file a complaint and to go online to pay my bill but, the online website doesn't work. 

This company is intentionally jeopardizing the credit of their customers who only want to pay their bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
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:
To whom this XXXX concern, I tried to buy an XXXX online through the XXXX website. The Bank they use for the loan is Citizens Bank and they are offering 0 % apr on the loan for the product. So, I thought, why not take them up on the offer. 

I have great credit and assumed that this would be a smooth process. My first attempt wasnt successful and I got an auto-response saying my loan request was denied. I thought it was a mistake so I tried several more times thinking I was putting in the wrong info. The auto-response kept saying to check my email but nothing was sent over a few days. I even paid down my credit card to zero thinking maybe that was the problem. I attempted this around 5 times in total. 

I contacted Citizens bank to see what the problem was. They concluded that my account from 4 years ago was delinquent around {$500.00} from an XXXX product in the past ( I dont remember the exact amount they told me ). I never knew this and was very surprised to hear it. I never got an email or letter telling me to know I owed them money. They told me to call the collections department to resolve the problem and pay the balance and that would fix any issues. I was happy to do that yet still a little confused that they never tried to collect from me. 

I called the collections department and they assured me that I have a zero balance and it was paid on XX/XX/2017 so there was nothing to pay. Apparently, it was a two-week late payment for around {$500.00}. We were able to get on a three-way phone call with a Citizens Bank representative to explain that this issue has been resolved 4 years ago. 

The bank refused to fix the problem on their end. After many attempts and several conversations with different people to resolve this, they still will not absolve me from their mistake. They continue to say I owe them money and that I am a risk to loan money to. With no way to pay them or resolve the issue, I am at a dead end. 

I just happened to look at my credit score today and it has gone down almost 50 points in two weeks. I can only imagine thats because of all the times I attempted to apply for this loan that was denied for a mistake Citizens Bank refuses to correct. 

Thanks for your help. 

Best

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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