BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: WA
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  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 15 U.S.C 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 explanation
Consumer complaint received 2020-04-23
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:
APPEARING ON MY TRANSUNION REPORT, XXXX ACCT.NO.XXXX, IS being wrongfully reported as the result of a XXXX dollar billing dispute with XXXX.My credit history is destroyed by this single itemXXXX in addition balance chased and charged fees that are illegal.

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 2022-08-15
Company: CURO Intermediate Holdings
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:
n accordance with the Fair Credit Reporting act 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i had i checking account with capital one i have stolen 2 checks was cashed it was not my writing on my signature on the checks capital one cleared the checks when i find out that they just gave me very hard timeo get copys of the stolen checks never willing to help me and closed my account i filed a complain against the cashing bank XXXX XXXX after while XXXX XXXX refuse to give me info ( there letter included ) they said i have to file dispute with capital one and here im capital one they are responsible for my money taking away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Kingston Data & Credit International Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX2021 a collection account from KINGSTON DATA AND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was reported on my transunion credit account without any attempt to contact me through phone or through mail about the debt. This is an old gym membership that closed and went out of business. I have tried to contact the number reported on my credit account and the number is out of service. Havent been able to contact this company to get this issue resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
i filed a complaint against experian here with the CFPB file # XXXX which was forward to Experian, and Experian responded since CFPB is a 3rd party they cant file the dispute, it has been almost 2 months since then, they requested my drivers licence which they have it already on file i gave it to them when i disputed this item, so they sent out this letter to CFPB and to me this is a stall tactic Experian is using so they should n't have to make a dispute, i need this to be removed from my report since Experian has no reason not to initiate my dispute, because Experian knows that i was the one to  dispute this item on my report its very clear that Experian is playing games, who ells wants this item off my report if not for myself? and Experian knows that i sent in the dispute, its been more then 30 days to investigate i by law Experian needs to remove this item from my report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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

Complaint:
I took out an education loan back in XX/XX/XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Ocwen Financial Corporation
State: MA
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:
On XX/XX/XXXX an electronic payment was made to Ocwen Loan services in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to Owcen loan services asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from 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 explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing and submitting a complaint regarding the previous denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The denial letter that you provided indicates that your company failed to contact the investor for approval to complete a loan modification on the clients behalf. This is something that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this complaint in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CUSTOMERS BANCORP, INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My college sent my cancelled semester refund to Bank Mobile. Bank Mobile sent it to a fraud XXXX XXXX  account. I contacted Bank Mobile and completed all documents and information to prove that I donot have a XXXX XXXX  account and I did not authorize this transfer. It has been 3 weeks and Bank Mobile is now saying that it is not their fault and this is my account. I have proven everything and sent all documents and still they are refusing to correct their mistake. My parents will be suing Bank Mobile.

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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a letter dated XXXX XXXX. Decision to restrict and close account. 
I have had this Bank of America business account for over 10 yrs. And now a decision is made to close based on the business type. Company is an XXXX XXXX and XXXX XXXX company. 
Have never had any banking issues prior. 
Phone number provided to bank closing department where agent read a script but provided no insight or details as to the reason for decision to close. Any further calls to other phone numbers provide direction to call the closing department. Its as weve been targeted with no cause.

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Dear Sir or Madam : Experian is requesting email addresses for a purported " FREE Dark Web Email Scan '' at XXXX : //www.experian.com/XXXX I understand they are also running TV commercials to advertise this service. This is blatant false advertising because it 's literally impossible to scan the dark web for an email address in any meaningful way. Presumably they could check a few sites which are known to them, but would never know where to find the others or how many they 're missing. They claim that this scan " gives you the knowledge you need to act '' but this is a false and deceptive assurance. 

In a since-deleted XXXX thread ( formerly at https : XXXX ), a user proves how deceptive this ad is. He knows that his information is on a particular dark web site, but the scan did not find it. Apparently the scan is pulling its data from https : //XXXX/ which is a free and public service by the XXXX individual XXXX XXXX. 

Please investigate this matter as soon as possible so that Experian does not have a chance to further victimize people who are trying to keep their information private. 

You may wish to note that I previously submitted the above as a complaint to the FTC, and they recommended that I submit this complaint to the CFPB as well. 

Thank you.

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: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
I purchased a {$100.00} moneygram money order and it was in my possession for a period of time I deposited the money order to open an account the money order was returned insufficient funds I was provided with a paper copy I called moneygram and was advised because I had it over a year it was no longer worth {$100.00} which I did n't know It was now worth {$70.00} but there were additional fees of {$18.00} to get my money back from the company none of which was explained when I purchased the product

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo limits the number of credit card payments from a non Wells Fargo checking account to 3 or 4 payments per month. Whenever I need to pay again, the following messages is shown : You have reached the daily or monthly limit for the number of online payments to this account ( XXXX ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment. 

I am not sure why this is happening and why Wells Fargo is implementing such process. Other banks have no limits for how many payments you can do from a different checking account. 

Other options is to go to a Wells Fargo branch and pay directly over there. This is super inconvenient.

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
late payment wasnt suppose to be reported due to calling XXXX financial telling them about my financial hardship

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: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX I faxed a discounted payoff offer to WELLS FARGO HOME MORTGAGE for 2 loans I have with them. 

On XXXX XXXX, XXXX I spoke to XXXX with ID XXXX and she transferred my call to XXXX ID # XXXX of the Home Reservation team and she was not able to assist me therefore she transferred me XXXX of the " Re-Entry '' team of Wells Fargo Home Mortgage. 

XXXX explained that I NOT am eligible for a loan modification, however I received a letter from Wells Fargo Home Mortgage that I am eligible for options that included loss mitigation in a form of a loan modification, short sale, deed in lieu etc., she further stated that this letter was approved by CFPB. 

My concern with Wells Fargo Home Mortgage is there contradictive behavior. When I explained to XXXX that I have a letter from Wells Fargo Home Mortgage condricting her statement of eligibily of loan mod she said its " generic '' CFPB approved letter that everyone gets. 

Well I was shocked to believe that the CFPB would allow to send generic letters to go to consumers stating that they have loan modification options when in fact they do n't! 

I finally asked XXXX since according to her I am not eligible for a loan modification, what am I eligible for? She replied, deed in lieu or short sale. She said the short sale must be in 10 days prior to the sale date. 

I proceded with a short sale option and Wells Fargo Home Mortgage accepted my short sale documents but after a few days of requesting documents the loan XXXX XXXX XXXX removed it. 

My complaint is the emotional and mental abuse Wells Fargo Home Mortgage has put me through by telling me what I am eligible for in writing and then contradict themselves and then tell me I can still conduct a short sale and I commit to it and then they tell me no even when timely. 

I need the CFPB to interject and reprimand Wells Fargo Home Mortgage for the deceptive games they conduct upon consumers like myself. 

I further ask the CFPB to investigate their wrong doing and bad faith actions against me.

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