BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-08-15
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have fraudulent hard inquiries on my credit report. I file a complaint with the FTC contacted the original creditors and credit bureau. According to the FCRA Equifax is violating my rights sent in all documents and they wont remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaints is a continuation of the previous filed complaints on Ocwen for the same property address XXXX XXXX XXXX XXXX FL XXXX ( loan # XXXX ). The attached letter datedXX/XX/XXXX from Ocwen states the loan was charged off XX/XX/XXXX. If this is fact, why did n't we receive a satisfaction of mortgage. The other problem with Ocwen is that XXXX credit report showing # 4 ( see attached ) which indicates we were 120 days late on paying this mortgage ( not true ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Barclaycard Cash Forward credit card advertises online that their online application process is easy and instant approve or deny.  So I applied and immediately got an online message that my application could not be decided upon and I would be contacted by mail in a few weeks.  Today I received a letter in the mail saying they cannot process my request until I send them copies of my drivers license, social security card, and bank statement with name and address. No way to contact them by phone or internet was in the mailing I received. Since those are not documents I am willing to send in the mail or fax, I searched online for their customer service phone number and eventually got through to someone who could tell me what was going on. They said my application was already denied, but could be reconsidered if I send those documents.  But the documents are only identification documents, nothing to do with whether I am deserving of credit. (In fact, I know I have a FICO score of XXXX.)  I told the person I want to withdraw my application but she said I cannot since they already put in the request, I can only wait 30 days to let it expire.  Since I have a very high credit rating, this tells me that their online offers to lure people to apply for credit are fraudulent; presumably all people who do are denied at first. Now I anticipate when I go to apply to a different company, my records will show I have an open application somewhere else which will automatically get me denied. And each denial will lower my credit rating more. And with my high credit rating I should never have gotten any denials.  I asked if there was a different person I could speak to and she told me know, I cannot do anything but mail or fax all those documents.

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 2017-09-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Few months ago I opened up a BMO checking account for the {$200.00} sign up promotion for " Receive two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening ''. I completed the requirements but the {$200.00} sign up bonus never posted to my account. I checked my account today and account has been closed. This seem like a switch and bait where they advertise you to sign up and refuse to pay and simply close your account.

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 2022-04-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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, Account # XXXX ( XXXX  XXXX XXXX  ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ) The Accounts above Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 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 2020-02-24
Company: ONEMAIN FINANCE CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a secured loan with OneMain Financial in XXXX, Nevada on XX/XX/2019. My vehicle was used to secure the loan. I was to receive a loan for {$10000.00}. The funds were to be deposited in my checking account the following day. When the funds were deposited I saw the deposit was for {$8800.00}. I called the OneMain office and was told that a loan origination fee for {$1200.00} had been deducted from the loan proceeds, for a whopping 13.79 % fee up front, on top of the 30 % interest rate. 

When completing the loan documents in their office it was all done electronically, no ink signatures. Simply put the OneMain attendant briefly reviewed the documents on a computer screen, and would advance from document to document. I would not have ever approved an outrageous {$1200.00} loan origination fee on a $ XXXX loan! Either that document wasn't there, or just as likely the attendant just advanced right by that document. OneMain never gave me any documents until I called them to complain, and the electronically signed documents were overnighted to me the next day. The are in violation of Nevada NRS 675.360.1 as applies to loan origination documents. 

I sent a registered letter of complaint to OneMain 's corporate office at XXXX. XXXX XXXX, XXXX OH, XXXX on XX/XX/. I received a call from their corporate office approximately a week later, they apologized for the confusion, and failure to provide me the loan documents, but they had no plans to waive the loan origination fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I updated my banking information in Cash App on XX/XX/2022. I have a new account and instead of adding the actual routing number and account number, I linked my debit card. At the same time, I cashed out {$970.00} to my debit card. When the deposit did not show up in my bank account I checked Cash App and they had added their own routing number and bank account to my account. So when I transferred the money, they intercepted it with their own bank information. I cashed out to my debit card but the money went to them. I spent hours on the phone and on chats with them trying to get them to help me but they insist it was a valid transfer and are investigating it but will not tell me anything else. They are giving themselves two weeks to cover their tracks. I have not changed the information in my Cash App account so I can have proof of where it went. I have attached two screenshots. One with the Cash App screen with the routing and account number linked and the other is a screenshot of a XXXX search stating that the very same routing number belongs to Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a XXXX  XXXX account that had a balance of {$380.00}. I filed the necessary identity theft report with the FTC and the XXXX XXXX Police Department. I mailed it certified mail to XXXX, Transunion and XXXX  on XX/XX/2020. Notification was sent XX/XX/2020 from Transunion that it was removed and blocked, and XX/XX/2020 XXXX  advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with XXXX XXXX. On XX/XX/2020 I did apply for a XXXX XXXX XXXX XXXX card as a recommendation online from XXXX and was approved. I did provide my information then. XXXX and Transunion also continue to report inquiries on my credit report that have not been authorized by me and were included in my FTC and police report. I did not have this issue with XXXX. 

I have also reached out to XXXX XXXX requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.

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 2017-09-29
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I applied for a XXXX XXXX with XXXX. I called and fax the company a letter requesting that they do not process my payment which was due on XXXX XXXX. The payment was not processed on this date but instead they processed it today. I am having extreme financial hardship and that I am filing bankruptcy, this was explained to them on my letter I faxed over. When I called them to confirm receipt of my letter I was told they did n't receive it but I had a confirmation on my side ( i have attached proof of confirmation ) stating the fax went through. In my letter I expressed they were no longer authorized to debit my account and cease collection attempts. They failed to cooperate and now I am - {$270.00} over drawn.

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 2017-09-28
Company: AmeriCollect
State: WI
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:
americollect DID NOT EVEN SPEAK ABOUT THE REASON I SUBMITTED THE FIRST COMPLAINT TODAY. XXXX?!? ARE THEY EVEN READING WHAT I WROTE? AND YOU GUYS CLOSE MY COMPLAINT BECAUSE THEY SENT A LETTER THAT HAD NOTHING TO DO WITH WHAT I WAS COMPLAINING ABOUT. I HAVE PAID OFF THOUSANDS OF DOLLARS IN MEDICAL BILLS THAT WERE IN COLLECTIONS AND THEY WILL NOT UPDATE MY CREDIT REPORTS!! 3 OF THEM. 

WHAT ARE YOU GUYS GOOD FOR? YOU DO N'T EVEN MAKE SURE THEIR RESPONSE IS IN DIRECT RELATION TO THE COMPLAINT. WASTE OF TIME HERE!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 and I am filing this complaint about 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 explanation
Consumer complaint received 2017-07-06
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a Helco that will set next month to more than what I am currently n. I CAN NOT afford this new payment each month! My circumstances have changed significantly now I am permanently disabled and unable to work as explained in complaint # XXXX Ditech sent another letter this past weekend reminding of the payment again. Ditech is s servicer of an investor that participated in the TARP program, acquired my loan from a predator lender. Ditech participated in the Making Homes Affordable but failed to reach out to me when I was eligible for the program ( s ) as suggested by OCC. <P/>It is now inevitable I will default as my monthly mortgage expenses are more than my income after taxes due to a recent change. This investor is not primary lien holder and may not satisfy the debt after legal fees and statutory government fees I will end up being put out with no money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was XXXX XXXX. I do not have/use a XXXX  credit card. ( the other was a XXXX/XXXX  account ). XXXX was very good in responding but XXXX  continues to show as delinquent on XXXX, Transunion and XXXX. 
I would like the XXXX  charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to XXXX XXXX  but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
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 2022-03-01
Company: Experian Information Solutions Inc.
State: NV
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 these XXXX account numbers have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # 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 written instructions. 
15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-02-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed for chapter XXXX bankruptcy at the United States District Court of Minnesota Bankruptcy Court. The following accounts listed on my XXXX  and Equifax credit report was completely discharged under chapter XXXX bankruptcy : XXXX XXXX XXXX, XXXX. {$14000.00}, XXXX XXXX XXXX, XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX XXXX/XXXX XXXX XXXX, {$1800.00} and XXXX XXXX XXXX XXXX XXXX, {$5000.00}. I no longer owe the debt because the debt was completely discharged under Chapter XXXX Bankruptcy rules in the United States District Court of Minnesota Bankruptcy Court.

Company response to consumer: Closed with explanation