BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-06
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My complaint is against DovenmuehleXXXX XXXX My original mortgage loan was with XXXX XXXX for {$630000.00} on XX/XX/. It was later transferred by XXXX XXXX to DovenmuehleXXXX XXXX XXXX shows the loan received as {$630000.00}, but input the principal balance owed at {$730000.00}. I never accepted additional money nor signed for additional loans from them. They have been given multiple documents supporting there mistakes and are dragging their feet to fix this error. I am currently in escrow to close the sale of my house and can not complete due to this {$100000.00} error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: DISCOVER BANK
State: MD
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:
Hello, on XXXX and XXXX these companies have reported that my paments were late. However based on further review I have pulled my bank statements and it shows that my payments to the mentioned companies have been made on time. The payments made to discover bank, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were all made on time and debited from my account so there is no reason why these accounts should be reported as late. 




Thanks

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: Information belongs to someone else

Complaint:
I recently checked my report and came across a lot of errors ( misspelling names, wrong addresses, wrong phone number, unauthorized credit inquiries from unknown sources ) and other account i have no knowledge of.

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 2022-10-27
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:
I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-11-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have received a letter from XXXX XXXX stating that they have lowered my credit limit to {$1200.00} from {$1700.00} after I made over {$750.00} in payments to bring the card back to an even debt/credit ratio. I am trying to improve my credit score, and as a result of this action, they are actually doing massive harm to my efforts. This is unfair and uncalled for. My credit score was worse when I got this card 2 years ago than it is now, and yet they're punishing me after I made them large payments to bring this account current. Further, I have called and asked to speak to a supervisor repeatedly and they hang up on me every time I try. This is unacceptable!

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 2021-04-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was threatened by a XXXX XXXX from a XXXX XXXX XXXX XXXX XXXX Firm. I received a phone call stating that their was a client who had sued me in the county I lived in and that there was a judgement against me. From there, I was told I had one opportunity to resolve the matter with the client if I selected " 1 '' on the keypad of my phone, which I did. I was connected to " The desk of XXXX '' who then recited my social security number to me, as well as the county I live in. She told me she worked for a mediation firm who was hired to resolve this matter as there was a judgement and claims against me in my county as we speak. When I asked the name of the company she told me they were " XXXX XXXX XXXX  ''. When I asked her if she was attempting to collect a debt she said " we are just trying to resolve this '' but could not tell me a way in which they were trying to resolve anything, other than taking my money. Afterwards, I asked her if she knew they were violating FDCPA, she said they were not because the statute of limitations on the debt didn't apply, which is false. I asked to speak with her manager and the man I was connected to said that they were hired from Wachovia and a place called XXXX. After I asked further if they were hired by these companies or if they had purchased the debt from one of these companies, he hung up on me. When I called back he said that they had misidentified me, they were looking for a DIFFERENT girl who had my name and social security number and they would be returning these files to their clients. When I said that can not be considering they had all of my information and that I was going to follow up with the legality of their 'firm ' he replied with more threats, stating that I had falsified information by confirming a birthday that was no my own and that I should think about that. I told them I was confident they had purchased this XXXX XXXX XXXX debt and were collecting from people illegally while using abusive tactics and he said because I was accusing them he would have to terminate my call and would not answer afterwards. I feel so sorry for the people who do not know better and fall for these aggressive tactics. This all happened on XX/XX/21 and I never got to hear how much they were claiming I owed before they were too scared to give me any other information.

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 2018-04-13
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX they started calling my boyfriends family, and even his ex wife that i dont know. they called them multiple times and said that i used them as reference, i never given them references. They gave my info to my bd ex wife who has been harassing me. And now she knows my info. I dont know how they got her number. I dont even know those people who they called. I told them to stop calling but they just keep on calling and telling everyone that i have a debt.

XX/XX/XXXX They started calling my uncle and aunts that i dont see in 10 years. Saying i will go to jail and need to find myself a lawyer because they will sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX has violated my rights. Or list of inquiries 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 2023-04-26
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: Investigation took more than 30 days

Complaint:
XXXX XXXX {$6800.00} I FILE A FTC REPORT AND NOTIFY TRANSUNION XXXX XXXX ABOUT THE FRAUD ACCOUNT LISTED ON MY REPORT. IT TOOK LONG THAN 30 DAYS AND STILL NO RESPONSE ARE REMOVER OF 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which Experian, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.

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 2021-07-01
Company: Spring Oaks Capital, LLC
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: FORD MOTOR CREDIT CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
For the last couple of weeks, I have been in contact with Ford Credit. I explained my husband was XXXX for a year and he was geographically challenged in the communication area. He had tried to make the payments and was getting a DNS server error. Meanwhile I was talking to Ford Credit and making them aware that he was XXXX with communication problems. I also explained that Im not on his bank account and they needed verbal confirmation from him in order to take a payment from me. I was having trouble connecting with him to make this happen. Today, XXXX XXXX they repossessed my car and left me with a husband whos XXXX, XXXX children, and no transportation. Im in the Country, so their is no public transportation. I called Ford Credit while they were repossessing my car and said to the gentleman that he was covered under SCRA being a XXXX XXXX with a unit for more than 180 days. This was also expressed in my communication with them prior to this day. I also told him to look at my communication over the last few weeks in regards to us trying to make the payment and he confirmed he was seeing that communication. We were only one payment behind coming up on our second payment when the communication about my husband being XXXX started with Ford credit. I left a message with my husband to call Ford while the guy was here for the repossession and that it was an emergency. He called Ford credit also and they told him that they needed a certified payment and thats why he was getting DNS server errors when he was trying to pay. They never once communicated this to me over the last few weeks, nor did they tell him? So weve been trying to pay all the while we couldnt have anyway because it had to be certified! My husband is in a remote desert area! How do they expect him to know this and why didnt anyone communicate any of this to us before the car was taken? Im thoroughly disgusted with Ford Credit and the way they handled this situation and their lack of concern for a United States Servicemember And his family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I recived a promotion offer from Citibank to open an account and fund it with a certin amount of funds and recive a cash bonus after 60 days i read the entire fine print and only was able to discern a 60 day requirement to recive the bounous, so i called and setup the account with a representative who also told me it was only 60 days no more and i specifically asked can i get the funds after 60 days and can i remove the funds without penalty i was told emphatically yes, i knew to ask this because i have completed one of these before with XXXX XXXX XXXX  and they specifically said you have to leave the money there for 90 days. So after completing the 60 days i called citibank and now they are saying the offer says after you complete the 60 days you then have to complete 90 days from that point, which was never agreed upon when i setup the account, and it seems very deceptive why would they not just say you must complete 150 days in order to recive your funds, and why would the first advertised time frame be the shorter one of 60 days and then the second part of their " offer '' be 90 days so its double the advertised time plus 30 days this is extremely deceptive.

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 2023-08-08
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:
According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 


I furnished all the above information to XXXX, XXXX and Transunion and mailed and delivered it to them on XX/XX/2023. According to the law they should have all deleted every report I made in the identity theft report which I will attach. Only experian have done so. Transunion and XXXX have yet to delete it and its way past the 4 days.

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 2021-08-28
Company: Checkr, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX  again by CHKR and now my ability to do contracting work is also affected. I will open a formal dispute with CHKR as well but the description is the same.

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''

Company response to consumer: Closed with explanation