BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 2020-06-03
Company: The CMI Group, 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: Account status incorrect

Complaint:
On XX/XX/2020, I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. XXXX XXXX  was one of the agencies and The Offices of Credit Management was the other. I spoke with XXXX XXXX at XXXX XXXX  and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted Credit Management who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. 

I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. XXXX XXXX reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying Credit Management. I sent proof of all my payments to XXXX  XXXX. I never heard back from them. 

I noticed on XX/XX/XXXX that the autowithdraw from Credit Management did not happen. I called them and they told me that XXXX XXXX  was taking over the account and to contact them. I called XXXX XXXX to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to Credit Management. 

In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX & XXXX themselves never reporting me as delinquent, and now XXXX XXXX   has proof that as of XX/XX/XXXX, I made all my payments on time to Credit Management. I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person at XXXX & XXXX to discuss this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NJ
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were defrauded by Wells Fargo. When I called in to get a loan modification I was lied to. The home mortgage preservation representative directly lied to me in an attempt to disqualify us from being able to apply or qualify for a loan modification. He told me that we could only get a modification if we were delinquent on our mortgage. We had never been late at the time of the call. He also said we could intentionally miss a payment. About one year later when we could no longer pay we missed a payment. When we tried to get a modification with a lower interest we were told we didnt qualify because we had missed a payment in the past 12 months. We did however qualify for a 40 year loan at the same rate 6.25 APR. Even though we had been paying what they told us to during the modification they put our home in foreclosure just before giving us the bad news on lowering our rate. We were jerked around and transferred to 5 different loan preservation representatives. One year later we tried again to lower the rate and were told we had been late again even though we had not, and the credit bureau showed no late payment. Then they put our home into foreclosure while we appealed. When they denied our appeal we could not afford to catch up the payments so they sold our home at action. I tried to get an extension on the foreclosure because we could not get a fair price due to covid but once again we received no help from Wells Fargo. We had to fire sale our home in XX/XX/2020 to pay off the mortgage. I want to know if there is anything you can do to help. By the way my wife is a XXXX and even though I told the Wells Fargo representative all of this but they could care less and offered no help even though we were in shut down due to covid.

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: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
My American Express card was maxed out during my divorce. I tried to pay it down and felt that wasn't getting anywhere with the high-interest rate. I called American Express to close the account and I also asked if they had any payment plans to pay down the remaining balance and ultimately settle the debt. 

They said at the time that they do not offer any payment plans and that as long as the debt is in place, I will be charged late fees, accumulating interest, and my credit would be hit with rolling lates every month until the debt is paid. I was unable to afford the very high principal and interest payments and accumulating late fees. 

In 2022 they called me and said they now offer a solution to make the debt owed right to them. We set up an automatic payment plan of {$230.00} per month until the settlement amount of {$8500.00} is settled over the course of 36 months. I have made 12 months of continuous pavments and have been in good standing with them. Once I have made all the payments, I will have the derogatory remarks removed from my credit. 

However the issue Im having and was completely unaware of until I tried applying for a VA loan to purchase my first home is that even during the settlement agreement and making my payment of {$230.00} every month on time, my credit is still being destroyed with rolling lates and derogatory remarks. 

This is resulting in me as a U.S. XXXX XXXX Service Member unable to work with lenders and purchase a home. I dont understand how Im paying them back the money owed on the agreement they established with me and still my credit score is being hit every month with rolling lates for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I, XXXX XXXX, is the consumer in fact and I am asserting all rights pursuant to 16 CFR XXXX. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( XXXX ). 

I entered into a consumer transaction with Mariner Finance , LLC on XX/XX/2021. I provided all of the necessary documentation and I was approved for the amount of {$2500.00}. I signed a promissory note to received funds for the extension of credit, but I never received a benefit or any other exchange for the signature that I provided on the promissory note. I reached out to Mariner Finance on XX/XX/2021 to take care of the matter, but they refused to fund me despite of my signature to the note. The organization said that I didn't provide proof of income within the last 30 days and this accusation is false. I have the copy of my pay stub as an attachment. 
According to the Equal Credit Opportunity Act, Mariner Finance , LLC is in act of discrimination pursuant to 12 CFR 1002.9 ( b ) ( 1 ). I, consumer, exercised my right in good faith pursuant to the Consumer Credit Protection Act. 

On the bottom of page XXXX of the promissory note, it states that this instrument is pledged as collateral to XXXX XXXX Bank, XXXX. I, the consumer, demand documentary evidence pursuant to 15 U.S. Code 44 from Mariner Finance , LLC to prove that the organization did not sell this note and receive any benefit from signature. Failure to do so is considered an act of embezzlement by Mariner Finance , LLC. pursuant to 18 U.S. Code XXXX and I assign the Consumer Financial Protect Bureau to exercise its authorities to protect me, the consumer, from any abusive acts to which Mariner Finance , LLC may have induced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-08-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, 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.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2023-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
I have disputed child support from Equifax, XXXX and XXXX about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXXXXXX XXXX I'm almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello Cfpb, I recently filed a complaint towards Citibank and on XX/XX/XXXX they responded to the cfpb report XXXX they responded back stating no funds are owed to me. I had over {$5000.00} in my bank account and on XX/XX/21 citibank withdrew and took my money out HOWEVER THEY ARE NOT STATING WHERE THEY SENT THE FUNDS BECAUSE THEY ARE CLAIMING THEY DO NOT PWE ME MONEY HOWEVER THE MONEY THAT WAS IN MY ACCOUNT BELONGED TO ME. Citibank has took my money and they are NOT TELLING ME WHO THEY GAVE THE FUNDS TO SO I CAN OBTAIN THE FUNDS FROM THAT COMPANY. I do not owe anyone money and Citibank closed my account and on XX/XX/21 adjusted the funds BUT THEY ARE NOT GIVING AN EXPLANATION AS TO WHO/WHAT THEY SENT THE FUNDS TO. I have called them several times and the case officer XXXX was supposed to contact me to inform me who the funds were sent to however they are not cooperating. THEY ARE NOT BEING CLEAR AS TO WHAT THEY DID WITH MY MONEY THAT WAS IN MY BANK ACCOUNT PRIOR TO THE CLOSURE. I do. OT OWE ANYONE ANY MONEY AND THE MONEY THAT WAS IN MY ACCOUNT {$5700.00}. CITIBANK IS CLAIMING THE AMOUNT OF {$5700.00} is not owed to me WHEN IT IS OWED TO ME BECAUSE THAT IS MONEY THAT BELONGED/BELONGS TO ME. Citibank has my money and they are not informing where/who they gave the funds to. I NEED TO KNOW THE {$5700.00} who it was sent to BECAUSE CITI CLAIMS THAT MONEY IS NOT OWED TO ME. There previous response does NOT SPECIFY THE ANSWER I AM SEEKING. All citibank is stating is no money is owed to me. That money belongs to me and i need to know if the money is not owed to me then who is it owed to so i contact that individual to obtain 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 2018-09-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2016 I left a job in XXXX XXXX. I went to my bank ( XXXX an affiliate of HSBC ) and withdrew {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on XXXX XXXX, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my XXXX XXXX ( XXXX ) and stamped " refer to maker ''. They issued me a check in lieu of the original ( see attachment ), which I then attempted to deposit at XXXX XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. 

Since I was no longer in XXXX XXXX, I hired an attorney in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a POA. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXX, XXXX XXXX XXXX. 

I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please remove alleged XXXXXXXX  loan from my name. Loan was returned. Balance is {$0.00}. Remove from credit. Shouldve never been added to credit due to me returning loan before it was disbursed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 explanation
Consumer complaint received 2015-11-03
Company: CURO Intermediate Holdings
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been paying this loan since around XXXX 2014, I have been paying and the loan amount seems to remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX  XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXX. It has been over 65 XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

TRANSUNION is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information.

This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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