BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
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. 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, 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 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had three separate attempts to obtain fraudulently a Menards XXXX Card issued by Capital One in my name in the past few months. The attempts for the card have been thwarted by XXXX because I have a freeze on my credit. I have contacted Menards and they said call Capital One. Capital One said put a freeze on with credit bureau which I already have. No one can give me any information on any investigations into this attempted fraud. I would like to know if the attempted fraud is originated in the Menards stores I frequent or elsewhere. I would also like my my accounts flagged so that reoccurring fraudulent credit requests be disallowed immediately during application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Victimized by predatory lending when purchased used car. My credit score was not even that low to merit a sub prime lender. The lender immediately started imputing fees and I got further and further behind. They called 10-20 times a day, seven days a week and when I asked them to stop but rather put it in writing they said I had a cease and desist order, of which I never did. They said I missed two payments ( $ XXXX/mo ) in the life of the loan and on XX/XX/XXXX they repossessed my car. I purchased the car XX/XX/XXXX for {$12000.00} and to date have paid more than {$10000.00}. According to the lender, because of the " simple interest loan '' and my outrageous APR ( 25 % ) I still owe them {$11000.00} and now my credit is ruined and I have no car. HELP PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: August Real Estate Investments, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Incorrect comments reported under loan servicing company regarding a mortgage I had with and investor. August REI has not and will not update status to Release of Lien vs. Deed in Lieu of Foreclosure although the investor has filed a Release of Lien. Service Company not involved in agreement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen and use to make withdrawals and also someone made unauthorized transactions on my account from a different state and left me completely broke. And I am so depressed due to this issue. I reported it to my bank and they havent done anything about the situation

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 2020-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that are not mine on my credit report. Additionally, there are addresses that I do NOT recognize and my names aren't correct that are listed in my personal file. Please remove them immediately. 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 2020-09-13
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan out with speedy loan for {$700.00} which totaled {$920.00} I made 3 payments of {$190.00} and a final payment of {$700.00} in XX/XX/2020. During COVID I was laid off so I could not pay on the loan. I called in and let them know.

At some point the account was sent to Ada Astra Collection-XXXXXXXX. In XXXX I was reported to all 3 credit bureau XX/XX/XXXX. I spoke directly to Speedy letting them know my account is paid in full and there's a {$410.00} balance, they told me those were fees. 

I contacted Ada Astra told them the remaining balance are fees, it was confirmed by Ada Astra representative my balance had been {$700.00}. I sent numerous emails requesting a courtesy due to COVID, there has not been a reply since my first email. I have emailed, called and there's no assistance they are asking {$410.00} in fees. 

XXXX  deleted the collection after my dispute, and proof of payment, as of today it was placed back on my credit file for the second time. I don't understand how a company can repeatedly place things on a consumers credit file after it was deleted. This company is taking advantage of consumers especially in this time of COVID when people are out of work and struggling. 

To continuously place inaccurate information on a consumer 's credit file after it has been deleted. This is an abuse of power, and damaging to many consumers. The loan was paid in full. I should not have to keep disputing for Ada Astra to stop placing this debt of {$410.00} in fees on all 3 credit bureaus. 

There has been no relief offered to me just the repeated hostile demand to make the {$410.00} fees payment. Due to COVID there was CARES ACT information that consumer accounts not to be charged with fees as the country close in a pandemic. This is unfair practices by Ada Astra and there  should be some help for consumers experiencing this duress by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter off and told the credit bureaus to investigate every piece of information on the account for XXXX XXXX XXXX XXXX # XXXX stated my account were verified but how is that possible if they did not do the proper investigation according to the law. Also every piece of information on this account are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have credit report showing the inaccuracies.

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 2023-04-19
Company: Experian Information Solutions 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 Account # XXXX, XXXX XXXX Account # XXXX have 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 2022-12-19
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Us bank relia card account been compromised and funds depleted and info compromised with my account last XXXX of my social is it what is on the card account to begin with a long with the correct amount money that has been swapped on the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2018 Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : XXXX Credit Card Limit Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, Synchrony Bank did the same damage to my score to have my credit score drop many more points.

My XXXX credit card had a credit limit of {$1600.00}, to which I only had a balance of {$800.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When Synchrony made the decision to lower my credit limit from {$1600.00} to {$850.00}, Synchrony created the exact negative impact on my credit report that Synchrony claim to be against. Before Synchronys action against my excellent payment history with XXXX, I was at 50 % usage to my credit limit. Now that Synchrony Bank has lowered my credit limit, Im at a usage of over 90 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. Synchrony Bank actions have falsified my credit report to say that I am using over 90 % of his available credit when in fact I was only using 50 % of his available credit limit. 

With the facts being stated above, I am asking Synchrony Bank to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the Synchrony Bank is in the business to intentionally damage the credit scores of the XXXX credit card holders or any individual that make payments to them for their clients. 

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed 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 explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : 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  These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property manager stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over Property Management a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-09-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent through XXXX {$1200.00} that were taken from my account in XXXX XXXX XXXX to be transferred to an account in XXXX XXXX XXXX in XXXX. The money never got to the Bank in XXXX. It was verified by the recipient several times in XXXX since XX/XX/2020. After attempting many times to obtain the SWIFT number to track the transaction in XXXX, MoneyGram did not provide the information and insisted the transaction was completed. I had made at least three complaints and they closed the cases saying they do not provide the SWIFT. I obtained through the Bank in XXXX information that MoneyGram uses a company called XXXX XXXX XXXX, to manage transactions and made the transferred ; but that company do not want to review or provide any data at all either. The responsibility is MoneyGram and my hands are tie. They took the money from my account and nobody responded that there was no transferred to the bank in XXXX. Please I need help, this money pays for expenses of my elder mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made

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 2023-03-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo bank cost me alot

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 2020-09-14
Company: ERC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Accounts XXXX and XXXX continue to report on my credit file after the 7 year limit and needs to be removed ASAP I have contacted the credit bureau multiple times but no removals have been made

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 2020-09-13
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Provident Title sent final payment to Ally on my home loan totaling {$640000.00} when the outstanding principal balance of {$630000.00}. 
On XXXX, Ally sent a refund check from the escrow account of XXXX. 
On XX/XX/XXXX, I requested a reconciliation from Ally related to the final payment as the refund check was less than I was expecting. 
On XX/XX/XXXX, I received a payoff letter that showed interest through XX/XX/XXXX, even though final payment was sent XX/XX/XXXX. 
On XX/XX/XXXX, XX/XX/XXXX, and XXXX, I requested reconciliation of the final payment as the payoff letter was inaccurate. 
As of the filing of this complaint, I have not received a response from Ally regarding a reconciliation of the payment received by them on XX/XX/XXXX. Sufficient time has passed for this financial institution to provide an accounting of the mortgage and related escrow account. Ally 's actions are unacceptable and are indicative of embezzlement and fraud.

Company response to consumer: Closed with explanation