BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: AMERICAN EXPRESS COMPANY
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 a fair credit reporting act [ XXXX XXXX # XXXX, AMEX # XXXX, XXXX XXXX XXXX. # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
MY BANK ( BBVA COMPASS ) DECIDED TO FREEZE MY ACCOUNT. I WAS NEVER NOTIFIED FIRST OF ALL AND NOW MY SOCIAL SECURITY CHECK WILL BE DEPOSITED INTO THAT ACCOUNT AND I HAVE NO WAY TO GET IT OUT. I KNOW SOCIAL SECURITY XXXX CHECKS FUNDS ARE EXEMPT FROM BEING FROZEN SO I HAVE NO IDEA HOW TO GET MY MONEY FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NC
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 XXXX and I am filing this complaint for 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 explanation
Consumer complaint received 2022-07-15
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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-15
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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2021-05-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I submitted an international money wiring transfer via online from Wells Fargo to a bank in XXXX called XXXX in the amount of XXXX equivalent to XXXX ( XXXX pesos ) + XXXX service fee, as a payment to my doctor which never received the funds showing proof of it. Through multiples times that I been dealing with Wells Fargo I had never get the help that I need to recover my money back, Today, a case worker named XXXX told me that the funds are in the XXXX ( XXXX ) and the beneficiary is refusing to refund the money to their recalling requests ; I never sent any funds to BBVA. For months Wells Fargo kept me bouncing from representative to representative on their regular number, so, I had escalated my problem to the CEO Office. 
They already closed my case and refuse to take further action to recover my money.

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 2015-04-11
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company, United Consumers , Inc. ( UCI ) @ XXXX XXXX XXXX XXXX, VA XXXX, Phone # XXXX, repeatedly robo/auto calls our home phone number trying to collect a debt on a XXXX XXXX. Recently, they have added XXXX XXXX (? ) XXXX to their calls. On XXXX/XXXX/15 I called the company and asked them to stop calling because there is no one in my family with any of these names. XXXX XXXX XXXX, from the company acknowledged my request and said they would remove our name from the call list. Yet, on XXXX/XXXX/15, we received another robo/auto call from UCI regarding XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-11-02
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-07-15
Company: EQUIFAX, INC.
State: MO
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 had an updated copy of my credit report, and when I looked at it, I found that some of the information was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Due to the letters of protest I have been submitting to the credit bureaus, I assumed this issue had already been resolved. But I'm upset that the credit reporting agencies did nothing to fix their error and update my credit in their files. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX. XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX. XXXX XXXX XXXX XXXX : {$1300.00} XXXX. XXXX XXXX XXXX XXXX : {$4000.00} XXXX. XXXX XXXX XXXX XXXX : {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX. CXXXX XXXXXXXX XXXX Balance Owed : {$0.00}, and XXXX. XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
EXPERIAN RESPONDED TO A COMPLAINT MADE ON XX/XX/2023 WITH RESULTS OF XXXX XXXX XXXX RESPONDED ACCOUNTS ARE TO REMAIN AS IS. THIS IS A REQUEST TO INFORMATION ABOUT THE FOLLOWING THINGS : 1. WHO DID EXPERIAN SPEAK TO ABOUT THE ACCOUNT. 2. WHEN DID EXPERIAN SPEAK TO THEM REGARDING THE ACCOUNT. 3. WHAT IS THEIR TELEPHONE NUMBER. 4. PROVIDE COPIES OD DISCLOUSURES THAT WERE PROVIDED WHICH GAME PERMISSION TO REPORT. THERE WAS NO RESULT SUMMARY AS STATED ON XX/XX/XXXX. 
EXPERIAN IS NOW IN VIOLATION OF USC 1681 602 ( RIGHT TO PRIVACY, I DO NOT WANT THIS ON MY CREDIT REPORT ) 1681 604 ( I DO NOT WANT THIS ACCOUNT ON MY CREDIT REPORT, I HAVE NOT GIVEN WRITTEN INSTRUCTION.

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 2022-10-28
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for Discover It Student Credit Card online on XX/XX/XXXX, uploaded and signed the documents they asked for, got the physical card on XX/XX/XXXX, and get activated that day. 

But on XX/XX/XXXX, when I tried to use my card to purchase a dinner, it did not work. I called Discover, and they blame me for signing a document, 4506-C, that they asked for in the email. They claimed that I should have called them because that's what they said in the email, which was not true. Here is the email. 

" " " " " Discover Financial Services requires your consent to receive income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

You can expect a separate email from " Verification Services '' ( sent via XXXX ) with the subject line : " XXXX XXXX '' Has Sent You IRS Consent Form 4506-C to Sign. Please follow the step-by-step instructions in the email within five days. 

Note : If the email is not in your inbox, please check your junk mail or spam folders. 

Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. 

Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. 

We appreciate your prompt attention and cooperation. 

Thank you, Discover Financial Services " " " " " They certainly ordered me to sign the document directly in the email. But the operator of Discover on XX/XX/XXXX claimed that I should have called them, so I don't need to sign the document, but they would have requested me to upload my bank statement, which I've already done during the application. 

So basically, she blamed me that it was my fault to sign the form, and that's completely false. But I certainly believe I was not wrong, which is the reason I'm filing a claim. 

So be careful when dealing with Discover, so unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: CA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX balance : Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Globe Acceptance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Globe Acceptance, who purchased my auto loan, refuses to provide statements of any kind and will only tell me my balance over the phone. I had requested and received on a few occasions a ledger, but they have told me that I will receive nothing further in terms of documentation regarding my loan. I was told that my XXXX bank statement served as record of payments to them. My loan is current and I have never been late or missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-04-26
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is falsely trying to collect on an account that they do not own I was told by the rep that they do not own the account so there for there are falsely reporting acting as if theyre a lawyer I have the recording as my proof of them stating that they do not own the debt that agains the law they have know rights to collect on this debt at all they have no contract with the other company National credit systems needs to stop falsely reporting to my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, has violated my rights. 
15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions! 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I applied for a cash-out or HELOC loan with Quicken Loans. 

On XX/XX/2021, I followed up with them to get a decision. Their agent told me that I qualified for what I was seeking XXXX $ XXXX for repairs and renovation mainly ) based on my credit, income, and longevity with the company. I told them to begin the process.

It was midway through this that I was suddenly informed that I have to completely refinance my mortgage into a much higher cost FHA loan. I currently have a Conventional loan. I explained that at no time was this disclosed and that I was not interested in a refinance, only to tap my home equity.

This is blatant bait-and-switch that borders on, and perhaps actually is, fraudulent and deceptive business.

I immediately halted the process and chose not to proceed any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Equitable Acceptance Corp
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was mislead to get into a student loan consolidation for lower payments. Ive recently been advised by the Dept. of Education that they are fraudulent. 
I tried to cancel whatever agreement we had and told them I reported them, that company ( I cant remember the name ) then went under for legal reasons, so the finance company in charge ( Equitable Accpetance-whom the claim is about ), sent my file to a trusted consolidation company to take over consolidation. I stated I tried to cancel while speaking to customer service at Equitable Acceptance and they did not want to hear it they just wanted their money and then told me they were filing it as past due and refusal to pay. Now Im receiving bills and past due alerts on my credit report. I never signed anything, just a verbal agreement to pay a small fee per month for consolidation. I believe I am Being taken full advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation