BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, safeguards my consumer rights to privacy and confidentiality. This has been breached by the accounts listed below, including XXXX XXXX account number XXXX. Specifically, 15 U.S.C. 1681 Section 602 A highlights my right to privacy. Additionally, Section A, Subsection 2 of 15 U.S.C. 1681 states that a consumer reporting agency can not release an account without my explicit written permission. Moreover, 15 U.S.C. 1681c ( A ) ( 5 ) prohibits consumer reporting agencies from including in a consumer report any adverse information, except for criminal convictions, that predates the report by over seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is mandated that no person should provide information about a consumer to a consumer reporting agency if they know or have reason to believe that the information is false.

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 2023-12-25
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:
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.

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 2021-11-17
Company: MEMBER MORTGAGE SERVICES
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
MMS Mortgage is not reporting accurate payment history for my account. My credit report says I haven't made a mortgage payment since XX/XX/2021 however my account is current & payments have been made on-time and in-full through XX/XX/2021. I have an account activity report showing on-time payments, an email from an account rep at MMS and the most recent account statement showing that my account is current. 
The following months are showing up as NOT paid ( which is NOT correct ) XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment, XX/XX/2021 payment. All of these months have been made on-time AND in-full. I need MMS Mortgage to update payment history and Recent Payment History so that my credit report is accurate. I've filed multiple disputes through XXXX & each time MMS responds saying that my credit report is accurate. This has been going on for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have an account with capital one thats charged off and I settled for less amount I paid this account off in XXXX of XXXX with an agreement that capital one inc. would not disclose any further info to any of the ( 3 ) credit bureaus at all after I paid the full settlement. They had never reported any negative activity since then until XX/XX/XXXX then they all of a sudden reported to XXXX only as of now but sure will end up at XXXX and XXXX  that my payment percentage went from 27 % to 21 % from week of XX/XX/XXXX to XX/XX/XXXX. For almost a full year they reported absolutely nothing! ( As they should on closed account ). And then week of XXXX all of a sudden they take it upon themselves to tarnish my credit ( XXXX ) to be exact. By providing false information to XXXX on an account they agreed to not disclose any new information on after I paid in full my settlement amount on. 
This matter is not to be taken lightly as they are ruining my credit and fraudulently false reporting that I am infact making late payments on an account that I paid off XX/XX/XXXX. This would be equivalent to you paying off your automobile 100 % then your credit union reporting a year later you make two late payments on a paid off car and tarnished your credit XXXX points ( through XXXX alone so far ). 

I have a fully XXXX XXXX XXXX XXXX daughter that was born with a XXXX XXXX Im trying to buy a house for her and I and this happened the same week I applied for a mortgage so any help u can give is greatly appreciated. Thank you and XXXX Bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial is charging extra fees to utilize the phone for payment because they are having website issues! I have tried for 4 days to get into my account to pay my auto loan and finally paid my loan through the phone, which had additional fees associated with it. The part on the other end made this payment extremely hard for them as they are from a third-world country, which further complicated the 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 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
The following reported Public Records/Bankruptcy accounts contain inaccurate and erroneous information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was asked to pay {$300.00} for a vacuum cleaner. I did on XX/XX/XXXX. I was then told they'd refund me, because it'd make their life much easier if I could instead pay their business account. 

They sent a picture showing that they had refunded me, and had them split the next invoice they'd send me in two. One, to pay in the short term, and another to pay once the refund showed up in my bank account, because I didn't have enough money in my account to pay the full {$300.00} at once. 

Until this point, this seems like something that is entirely my fault. After this, however, I did receive an invoice from a business account. ( Pictured in attached images. ) I figured, okay, CashApp considers this guy to be a business owner, so it must be legitimate. 

I paid the first new invoice ( worth {$50.00} ) on XX/XX/XXXX. 

I then spoke to two CashApp support agents to attempt to see if he actually sent the refund. They said he didn't. It soon became clear I was scammed, and CashApp mislabeled a scammer as a business owner. 

In trying to collect information to report the scam, it became pretty clear to me that this is someone who used two accounts to scam me and who owns several other accounts to scam others. One of the accounts used to scam me was a business account, raising the question of if CashApp did any verification or background checking at all before giving them the business label, and of what the point of labeling accounts as businesses is on CashApp if it provides no assurances to buyers. 

I was scammed by someone whose username and real name matched many almost identical accounts ( very similar name patterns in the usernames, similar appearance on some account pictures, same name registered to those usernames, etc ) on CashApp. and have found by typing in his name into CashApp that ( based on the common suffixes ) CashApp has allowed him to create many, many obviously near-identical accounts without doing anything to stop the scammer. I imagine that doing similar on XXXX. XXXX would be nearly impossible, because XXXX actually collects your identity and makes you do a ton of work to verify people, their businesses, etc. CashApp, on the other hand, has just been enabling this person 's scams and, in the process, endangered me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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 sent a letter to this company, XXXX XXXX XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like XXXX XXXX XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies. Experian is reporting information on my credit report that is not lawfully suppose to be there. According to the FCRA I never gave written, oral or electronic permission for this information to be furnished. Furthermore this account is not validated by the original creditor. I do no validate this debt. The reporting of this account is a violation of my FCRA rights.

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 2020-01-24
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have recently had a death in my immediate family so I have been struggling to pay the loan because i have been paying for funeral arrangements i have talked to XXXX XXXX and her associates from covington credit repeatedly about this situation and arrangements. As i simply did not have the money that month due to the situation. She has repeatedly come to my house at least three times a week speaking to everyone i live with about my debt, which harassment and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MI
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:
They have bankruptcy on my report its inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX experian has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX did not sign any contract with Portfolio Recovery XXXX  and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt.

Notice that it is a fact that the affiant has reason to think and does believe that Portfolio Recovery Associates XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6  ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. 
Notice, it is a fact, that, I, agent for principal XXXX XXXX am aware that Portfolio Recovery Associates XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that Portfolio Recovery Associates XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( XXXX ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Explain what happened! Ref # XXXX is some of what happened but it goes all the way back to my original complaint with the FTC case number XXXX this report will explain it better then I can right this instant. I know one of the cards ends in XXXX with XXXX XXXX XXXX and Wells Fargo Both are and have been being fraudulently used since I started I started them. I believe it may go as far back as XXXX! I hope I am within my rights to file a complaint against two banks together. I reference about 20 at once both foreign and local and nation wide. For now I want to start with a complaint against the miss use of my accounts with XXXX XXXX XXXX and Wells Fargo please and thank you! 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 2023-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open in XXXX of XXXX, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the customer service manager, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on this account. I would like a response in 30 days, in order to proceed with filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We continue to be harassed about a debt that is neither mine nor my spouse by XXXX XXXX XXXX XXXX. We reviewed our credit report and are certain this is not our debt. We have been attempted to be served ( have video proof of them trying to serve us papers for a debt that is not ours ), continue to send back multiple certified mail attempts, and receive threatening phone calls nearly daily, etc. 

We communicated over the phone and over certified mail ( tracking below ) that the debt is not ours. We included the letter we sent the collectors. The debt belongs to XXXX XXXX XXXX ( presumed due to mailing address. Unbeknownst to us our phone number and home address is tied to this debt. That said, neither XXXX XXXX XXXX XXXX XXXX are the debt holders and they will not stop. 

Certified mail tracking numbers : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief