BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: U.S. BANCORP
State: FL
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 this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. 
Additionally, this information meets the definition of non-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act.

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 2023-06-10
Company: ALLY FINANCIAL INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

Ally financial XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX financial for them to release my medical information to a third-party. 
I understand that the ( XXXX ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and XXXX XXXX. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within XXXX  days of the completion of your investigation. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-22
Company: BARCLAYS BANK DELAWARE
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:
date : XX/XX/XXXX amount : {$89.00} Company : BARCLAYS reported the late fee payment on my credit report Action : I did not have the late payment to BARCLAYS as I did provide my credit card to their customer service to charge back within the timeline and received a confirmation code that had been paid during the phone call, however they could not locate the cost after that as they needed a debit card but not credit card, finally they reported the late payment without the communication with me first.

BARCLAYS had agreed to remove the late payment history from my account as I did pay timely after the communication. 

Please find a letter from BARCLAYS as 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 explanation
Consumer complaint received 2023-06-10
Company: McKenzie Management LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My Apple Cash account was locked after I loaded money onto it, I dont have access to any of my funds

Company response to consumer: Untimely response
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:
My Wells Fargo checking account has been hit with overdraft fees every month over the last 2 years or so.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-30
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/, the XXXX  Homeowners Assistance Fund, made a mortgage payment of {$6000.00} on my behalf. However, this payment and subsequent, on time payments, for the last several months was not applied to my loan until XX/XX/, and after, leading to an erroneous notice of loan default and intent to foreclose received on XX/XX/. This mishandling has occurred despite repeated communications with the mortgage servicer to rectify the situation.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 received a credit monitoring alert regarding a collection account on XX/XX/2022. Thought it was a mistake, so I didn't follow up at the time. During a vacation in XX/XX/2022, I was denied the ability to open a charge card. Upon return home, I requested copies of all three consumer credit reports. XXXX was accurate with the exception of one wrong mailing address. XXXX and TransUnion reflected several names, addresses, accounts which were not mine. I notified both of the errors. XXXX corrected the errors on my report. TransUnion corrected some but not all. I filed a dispute after again begin denied the ability to open a new charge card. Data regarding a different person ( not me, and not related to me in any way ) continued to appear on my TransUnion credit report, although the dispute findings continued to reflect " verified as accurate. '' I continued to file disputes with TransUnion, and also notified the credit card company, XXXX regarding three accounts opened that were not mine, but tied to my social security number. These were eventually sold to XXXX XXXX XXXX, and later written off. I also followed up with XXXX XXXX XXXX. The XXXX fraud division eventually confirmed that the three accounts in question belonged to someone else, as did XXXX XXXX XXXX. I again filed a dispute with TransUnion to remove the inaccurate data from my record, which they continue to include as accurate as of 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 2023-01-21
Company: Block, Inc.
State: VA
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/2023, I reached out to Cash App to dispute a charge that I made on my card. 
( I reached out the XXXX several times via phone and email to no avail ) On XX/XX/2023, I received a notification from Cash App that the dispute was denied due to the merchant rendering the services provided. 
On XX/XX/2023, I requested the documentation that was used in the decision. When I received the documentation, the transaction stated that this was a rent payment, which is incorrect. 

The transaction was an administrative fee to hold the apartment for a complex that I was applying for. My application was denied so I contacted the apartment complex to refund the administrative fee that was paid to hold the apartment. After reaching out to the apartment complex and management company of the complex both via email and phone and not receiving any answer, I contacted Cash App since the transaction was made on the Cash card that I hold with the company. Cash App has denied my dispute and the reason they have given for the denial does not match the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITI BANK NA. DECIDED TO CANCLE ONE OF MY DEPSOIT AND MARKED IT AS FRAUDLENT. AND MY ACCOUNT WAS MARKED FOR CLOSURE. I HAVE ALWAYS USED SAME ACCOUNT FROM XXXX XXXX XXXX  TO CRDIT FUND TO MY CITI BANK ACCOUNT. THEY CLOSED MY ACCOUNT TOOK ALL MY ACCESS TO VIEW MY STATMENTS OR ACCT ONLINE. WHEN I CALLED THEY ADVISES A LETTER WILL BE SENT TO ME IN 7 DAYS ON XX/XX/2023. WHICH IS 80 DAYS NOW AND I HAVE NOT RECEIVED ANY COMMUNICATION FROM CITI BANK. I HAVE CALLED MANY TIMES TO GET MY FUNDS. THEY TREATED ME LIKE CRIMINAL AND NOW ADIVSING ME TO CONTACT MY ISSUER BANK FOR THIS FUNDS TO BE REPULL/OR START A CLAIM WITH THEM. ISSUER BANK XXXX XXXX XXXX IS SAID THERE IS NOT SUCH A THING THEY HAVE AND THEY SAID THEY HAVE NOT FLAGGED ANY ACITVITY AND NOT AWARE WHY CITI IS HAD TO CLSOSE MY ACCOUNT. ALL I NEED IS TO GET MY FUNDS BACK SO I CAN PAY MY BILLS AND NOT GET CHARGED LATE 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 2023-06-10
Company: Experian Information Solutions 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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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. 

# 1 Account name : XXXX XXXX # XXXX # 2 Account name : XXXX # XXXX # 3 Account name : XXXX XXXX XXXX # XXXX # 4 Account name : XXXX XXXXXXXX XXXX # XXXX # 5 Account name : XXXX XXXX XXXX # XXXX # 6 Account name : XXXX XXXX XXXX # XXXX # 7 Account name : XXXX XXXX XXXX # XXXX # 8 Account name : XXXX XXXX XXXX # XXXX # 9 Account name : XXXX # XXXX # 10 XXXX XXXXXXXX XXXX XXXX # XXXX # 11 XXXX XXXX XXXX XXXX # 12 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # 13 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I closed my account cause of missing payment money out of my account and 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, XXXX and Transunion about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the payment history.

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 2023-01-22
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: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT. XXXX, TransUnion and XXXX all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also XXXX inquiries on my XXXX credit reports. TransUnion, XXXX, and XXXX have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/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 2022-10-22
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MRS BPO placed a false statement on my credit report that I had an account with XXXX. The account is in the name XXXX. This account was never authorized by me, I never ordered XXXX XXXX, and I owe them no money. I did NOT open an account in XX/XX/2022 as MRS BPO falsely represented. 

I disputed this with XXXX. XXXX contacted MRS BPO and advised them. MRS BPO falsely stated that they verified the debt. 

Pursuant to the Fair Debt Collection Practices Act, I dispute the debt with MRS BPO. The basis for the dispute is I never used the name XXXX, never applied for a XXXX account, never authorized any charges to XXXX, do not owe XXXX. MRS BPO needs to provide a copy of the agreement in question. 

Pursuant to the Fair Credit Reporting Act, the reporting of the account on XXXX, XXXX, and XXXX is not accurate. I never applied for an account with XXXX, never used the name XXXX, never incurred any charges, and do not owe XXXX for any reason.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: WA
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:
The payment history is inaccurate. I have reached out to XXXX XXXX XXXX, Experian and XXXX about correcting this. They have all refused to correct this issue. I have attached both credit reports to show the inaccuracies with the payment history.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I had a mortgage through Wells Fargo. We know for a fact that they mismanaged payments and also our escrow resulting in us having to pay alot more money than we should have over and over. By the time we sold our house we ended up paying way more than we should of. We knew this was happening over and over especially every year when we had to pay more payments and extra escrow. We also had issues with our payments for our XXXX loan we had with them!

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