BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
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  Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Advance Bureau of Collections
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Left message saying this is XXXX from investigations services, I need to verify location information regarding certified documents, if no contact today, our field agent will be distracted to the property address or the place of employment record. it is very important and no response will result in an order of noncompliance in a filed action for service. Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023, I went to the Wells Fargo location at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and tried to open a bank account. I was told I need XXXX forms of id and proof of address. I gave XXXX forms of id and gave them my credit card statement with an address in XXXX. They told me since my address is not in XXXX that they will not be able to open me an account. I was also told that a credit card statement isn't proof of address. I tried to ask the manager, XXXX XXXX, and the woman at the desk, XXXX XXXX XXXX, what documents I need to prove my address and was told only a utility bill would suffice. I know that's not all that can be used so asked for the policy on what other documents I can use and was refused to see the policy because they're " internal documents ''. I've never heard of this policy before. I feel as if I was discriminated against and they made up some excuse of " internal policy '' as I was sitting there. XXXX is only a few miles from XXXX, can I not open an account in XXXX if I have a XXXX address? I'm also confused on why I was not provided a list of documents I can use for proof of address. As I got up to leave, the manager, XXXX XXXX, told XXXX XXXX XXXX, to pull up my profile. I told them I did not authorize them to pull up my profile and to close it. Why are you pulling up my profile and I did not give you permission to do 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 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Went to a Bank of American ATM on XXXX XXXX around XXXXXXXX XXXX to deposit {$300.00} in cash. Upon entering, I receive a notification of an error from the ATM machine that it did not accept the {$100.00} bills I inserted. After waiting 5 minutes, the transaction went through but only added {$200.00} to my account. I counted and deposited {$300.00} for certain and the ATM machine had a mechanical failure. I have already called and tried to dispute this with Bank of America.

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 2022-02-23
Company: Carvana Group, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Recently, I, XXXX XXXX, was denied an extension of credit by Carvana. On XX/XX/2022, I requested an extension of credit. 
As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and 15 U.S Code 1691 ( E ). Carvana has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002.2 4. 15 U.S Code 1691 ( C ) 5. 15 U.S Code 1691 ( E ) Civil Liability Pursuant 1. 15 U.S. Code 1681n 2. 15 U.S. Code 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Enhanced recovery services on XX/XX/22. 
A while back I mailed in a cease and desist they removed the debt from my consumer report. 
Fast forward back to XX/XX/22 I received a letter from ERC which they have a XXXX Enhanced Recovery company. 
So, I done my research on this fraudulent corporation and come to find out ENHANCED RECOVERY COMPANY can not collect a debt in Arkansas due to not being licensed for this state. 
This corporation is also in violation due to me not ever doing any business with this entity. 
This is a thirty-party attempting to collect a debt for their own personal reasons. I am currently going through arbitration with XXXX and the alleged debt is not mine. 
This corporation has violated my privacy. 
This corporation has ruined my reputation by reporting such information on my Consumer report. I've been denied left and right for my own credit due to this corporation. 
This is also identity theft due to not having my person to obtain my information and or contact me for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NC
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom this XXXX concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.

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 2020-01-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I had a loan from ace cash Express. I couldn't make an payment so I refinanced the loan. Still unable to pay my grandmother and my younger sibling both recieved calls from ace cash Express on XX/XX/XXXX. They were told that XXXX county ( which is the county I reside in ) will be filing a law suit against me and that they will find me. Not giving them a name who called or the reason for the lawsuit. My grandmother has the voicemail saved. So I get notice about the calls and I call them back. They never called me which I thought was odd. They tell me about the lawsuit and tell me to pay it. They said I was being sued for fraud and not being able to pay back the loan. I feel threatened as if they were making me give them money no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, 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:
My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit bureau, XXXX XXXX, and XXXX XXXX XXXXXXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2023-11-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-01-16
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  NA XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX : {$320.00} XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened an account XX/XX/2023, before I even had a chance to use my credit card which I was approved for, my account was locked because of " suspicious activity ''. I've attempted to call to resolve the problem, but been told I need to step in a branch to show ID and I can't simply email/mail/send copies through secure messaging. 

Unfortunately I left for international travel before I found out this information won't be back for several months. 

When I attempt to call any number of Bank of America, I get redirected to the fraud department which won't unblock the account, but say I can close it but only to give me a number that redirects back to them and not Bank of American customer services.

I would like to use the credit card of course, but Bank of America is being unreasonable with its fraud detection and thus not allowing me to use the card. At the same time, the same department seems to be blocking my ability to close the account. 

I am unable to take any action with the bank or talk to a reasonable person or find a solution to the problem thus having to reach out via CFPB about the bank 's broken process.

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 2022-06-01
Company: ACI Worldwide, Corp.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2022 I used ACI Payments to pay the IRS. In their terms and conditions they attempt to require arbitration and claim to provide a means of opting out by dialing a specific phone number ( XXXX ). When I attempted to dial this phone number there were no options to opt out of arbitration, and no ability to speak to a live person. 

I filed a complaint with my state 's Department of Justice, which was forwarded to the CFPB as complaint # XXXX. I later received a phone call on XX/XX/2022 from somebody claiming to represent ACI Payments, promising to send me confirmation of my successfully completed opt out. As of the date of my filing this complaint ( XX/XX/2022 ), I have received no written confirmation, nor any further contact from ACI Payments. I have no way to prove that I have refused to waive my right to a trial by jury or judge in court and my right to participate in a class action. 

I have two issues with this situation : - I did not receive any written confirmation that I have opted out of ACI Payments ' attempt at forced arbitration, even after my complaint was escalated to the CFPB and I received a phone call from ACI Payments promising that I would receive confirmation. 

- ACI Payments ' arbitration opt-out process as outlined in their terms and conditions does not appear to work, and provides the person opting out with no means of having a written record of their having done so. This is certainly convenient for ACI Payments, but not so much for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Old information reappears or never goes away

Complaint:
I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.

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 2022-01-06
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refi'ed my home loan with NewRez. My original mortgage loan is also with NewRez. The closure documentation had an amount in the Payoffs and Payments as {$110000.00}, which is not the correct payoff of my loan. When I questioned XXXX XXXX about the amount, she stated that " The closing team always pads the total payoff amount by a couple of hundred just in case something goes wrong. '' So I signed the paperwork. 

At the time my loan closed/paid off my original loan balance, the outstanding balance to be paid off was {$110000.00} on XX/XX/XXXX. XX/XX/XXXX was the new loan disbursement date. However, I did make a payment to my original loan of {$680.00} on XX/XX/XXXX to avoid a late charge. 

I expected to get a check in the amount of the difference of the amount paid on my loan to what was paid, plus the payment made on XX/XX/XXXX. This would be {$880.00}. I only received a check for {$720.00}. 

I have tried to get the final pay off of my original loan ( showing the actual ledger balance to be paid and the payment made ), such as a final closing statement. However, the original loan is inactive and there is no record of the amount of the final balance, except for the payoff quote I downloaded prior to the refinance funding. the check I received did not have an itemized breakdown. When I questioned NewRez about this, they responded with only the Closing Disclosure again -- and when i provided them the email about the padding of the loan balance, no one has responded to my inquiry.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX  XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Convergent DPT ED XXXX Account # XXXX. DPT ED XXXX Account # XXXX. DPTED XXXX  Account # XXXX, XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief