BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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 Laws. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX #, Account name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # Account number XXXXXXXX XXXX Account number 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 or 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 2018-12-09
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The problem I have is with Bank of America. I had fraud on my account and they did not reimburse my claim. Here are the details : On XX/XX/XXXX, I was given a check through email for a job that I did. Innocently trusting the man for the job, I deposited the {$4000.00} check he gave me. ( I have pictures of everything if needed ). Without sending or spending any money, I waited to see if the check would clear. The next day, XX/XX/XXXX to be exact, the check was verified by B of A. Excitingly, the bank put the {$4000.00} in my checking account. To my knowledge, I thought the bank thoroughly looked over the check that was given to me since they gave me {$4000.00}! Never being taught how checks work, I thought it was valid. I then was deceived into sending the scammer {$3500.00} through XXXX for materials for the job. That same day, my common sense finally kicked in and I realized it was a scam! That same day, I instantly went to my local branch to talk to my extremely helpful banker. I reported the fraud hours after. My banker said to me, honestly, this is kind of our fault too for not thoroughly going over the check. He then began to explain to me how checks work. He saw my pictures and evidence and fought very hard for me! I have been a customer of Bank of America for years, and Ive never deposited a check that hasnt taken up to 48hrs to process. B of A gave me the money the next day for a sketchy check without my signature on it. I think it is wrong for B of A to do this to me. XXXX XXXX XXXX brought this to their attention and B of A refunded the people the money for the same issue! This issue is not fully my responsibility. This makes no sense for B of A to give {$4000.00} without thoroughly checking the check, then holding me responsible.This is a multi million, if not XXXX dollar organization. This {$3500.00} was a huge hit for me as a XXXX but is nothing for them. I would truly like to solve this issue. I am a XXXX XXXX  and about to get married and I was saving up for a wedding ring. It just really hurts that Im going through this. Please help! 

I put some pictures of the check and the guy who scammed me. I also took pictures of what my personal banker told me to do. Also some more information that may be needed! I hid my bankers name so he doesnt get in trouble.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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
Consumer complaint received 2020-01-04
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:
It's not my account, i'm not responsible for any transactions. I didn't sign documents or contracts with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 many accounts and inquires on my report is due to identity theft and i have reached out to creditors and credit bureaus with no success or response from anyone.

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 2021-05-03
Company: Lakeside Recovery Solutions
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Lakeside Recovery Solutions are calling my daughter 's phone stating I owe a debt. The issue is I'm not the person they are claiming that owe the debt. They claimed my number is associated with that person so they gave me all of the person 's info. They gave me all of the information about the " case '' even though I'm not that person. I tried calling back to speak to a manager so they can take my daughter 's number off of the calling list but instead the person decided to tell me that I knew the person and was doing them a disservice by not giving them the info. I keep repeating that I don't know the person and they are calling my daughter 's phone, one of my business lines and to cease calling this number. The person got hostile with me and threaten the person the debt belong to. This is a big problem. They told me all the details of the account, the person 's private information including their address and phone number. This is a direct violation of CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There was a transformation at Citizens during which they attempted to merge checking and mortgage accounts. Unfortunately the integration didnt work for me, see below response I received from the company : XXXX XXXX it appears the merge between your Mortgage and your already existing deposit accounts did not complete correctly, and you would need to contact the Mortgage Department in order to put in a request to have these accounts merged. With the merge between Citizens Online Banking and Mortgage, it was meant to allow you to access your deposit accounts and Mortgage from the same login. In this case, it would not show you Mortgage upon logging in due to an error. I would suggest that in order to access your Mortgage that you contact the Mortgage Team at XXXX. 

I have called already three times the number above and was not able to get a support needed to access my mortgage account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has asked me to borrow money from family or friends to pay them. They have asked me to take out a loan from another company to pay them. They said I need to prioritize my debts by paying them before I take care of my medical issues. This led them to telling me that I should get better insurance so my deductables are cheaper. 

They refuse to take payments that are not what they want, even though its something toward the balance

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 2020-12-14
Company: Open Dealer Exchange, LLC
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:
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, 700 CREDIT/XXXX XXXX and on XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports. 
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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions 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:
I have tried numerous times to get these fraudulent inquiries off my credit report, to no avail. and people are study pulling my credit report. Just last Thursday XX/XX/XXXX. Please help me resolve this issue. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALL FRAUDULENT!!!!!!

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 2020-01-04
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector called in XXXX to collects on Macy acct but input wrong acct on XX/XX/XXXX for {$77.00} but they included not only last she amt but XX/XX/XXXX payment in the collection. I received a call on XX/XX/XXXX because the agent used the wrong account and I was told the next payment was in XXXX which meant she include the XX/XX/XXXX payment in the collection attempt. I informed her that this was unfair and deceptive. She started she will this as feedback. Company should call and collect only any past due amount not advance payments. We

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 2020-01-04
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transaction Information : Transaction Amount : {$110.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 The items purchased were returned via USPS which was purchased via Paypal. The return shipment was also tracked : XXXX ( USPS ). 

The vendor has their goods and Paypal is denying my request for a full refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 filled my credit a while back an saw all these accounts that didnt belong to me. So i reached out to the companies to try and get it removed but i was no success. The following accounts are not mines : XXXX XXXX opened XX/XX/XXXX {$14000.00} XXXX   XXXX Opened XX/XX/XXXX {$560.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$300.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$75.00} XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120.00} WI XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
unknown person rented a car in my name, it was not me ... remove this debt from my credit report some one rented an XXXX  car in my name XXXX XXXX and it was not me i live in XXXX Ohio, some rented a vehicle in XXXX mas in my name and I do not live in 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 2019-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Constant phone and postal mail contact for years, have requested a stop to it with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX LNAPT XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX  BV XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2021-03-08
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account # XXXX Amount {$6300.00} Account name : XXXX Account # XXXX Amount {$5000.00} Account name : XXXX XXXX XXXX Account # XXXX Amount {$5300.00} Account name : XXXXXXXX XXXX  Account # XXXX Amount {$1600.00} 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 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 2021-02-19
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 AmeriSave contacted me offering refinancing on my primary residence. I explained in detail to the loan officer, XXXX XXXX, my financial situation. She assured me the refinance would be approved with my current finances. She offered a specific loan product with cash out. Repeatly I asked if she was certain the loan would be approved & she continually assured me it would be approved & no appraisal was needed. I provided all requested documentation with in 48 hours and paid the upfront {$500.00} for the application fee. After stringing me along for 2+months AmeriSave finally offered me a totally different loan product & an appraisal was now ordered which I was responsible to pay. AmeriSave tried to pull a bait & switch on the product they initially offered me with outrageous costs. I complained to Ms. XXXX, refused to pay for appraisal & requested my {$500.00} application fee refunded. Ms. XXXX assured me the application fee would be refunded per her manager 's approval. Almost 3 months later still no refund. AmeriSave attempted a bait & switch, falsely misrepresented the loan product offering, wasted my time & renege on my refund of {$500.00}. This company should not be permitted to conduct business. I have emails substantiating my complaints. 
FYI : I applied for refi with another company from start to finish less than 30 days XXXX completed my refi., no appraisal & no upfront application fee.

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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 didn't authorize these inquiries and i have reached out to these creditors and still havent removed the items

Company response to consumer: Closed with non-monetary relief