BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have asked nicely on XX/XX/2023 Transunion to provide real documentation that the data furnisher provided to Transunion that verifies that those account belong to me. I require the signed original contract, the annual privacy notices, the opt out notice of non public information being shared> the right to opt out notice written by me. Till this day Transunion just steps allover my consumer rights as they please. Transunion and the data Furnishers are both in collusion with each other this make them liable under section section 623 FCRA violation.

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 2022-12-11
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 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, states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), 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 ), states 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 2018-12-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony has unethical practices by lowering credit limits to good paying customers. I contacted Synchromy on XX/XX/XXXX to request an explanation as to why my account limit was lowered negatively affecting my credit score. Agent was outside of the US and couldn't understand me and transferred me to an agent in the US. Agent in the US offered to close my account which I did not agree to. A month later I received a card that my account had been closed.

I contacted company on XX/XX/XXXX and XX/XX/XXXX to get a response as to why my account was closed. Both agents stated that I had requested to close.my account. However, I never agreed.to have my account closed. When I had previously called synchrony I discussed with agent option to close, but never agreed to close account because call.dropped. synchrony closed my account without reading the appropriate disclosures to me or getting my statement recorded. 

This company has negatively affected my credit after I have been a good paying customer. Their practices as harassing and 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 2023-12-06
Company: AMERICAN EXPRESS COMPANY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an AMEX prepaid card for {$200.00}. I was told I could use anywhere online and in person. I made SEVERAL attempts on many different websites - websites that DID accept Amex prepaid cards. But each payment was not successful. I called AMEX 4 times and the first girl told me they blocked my card because of suspicious activity and she said she cant unblock it, the next three people said the same thing but told me I could use ANYWHERE else online. I have made over XXXX attempts on different websites including trying to add to my XXXX XXXX as they advertised I could and that didnt work. AMEX customer service was no help and has misinformation about where you can use the card when in reality I havent been able to use anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got an alert from XXXX  on XX/XX/2023 that I opened a new credit account for XXXX dollars in the name of Comenity capital bank/ my smile and this affects my credit and credit score, never apply for this card. That credit card has never arrived at my house and I have never requested it, it is fraud, they used my social security to process that credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: WV
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:
Experian, you indicate in your response to report XXXX that " we are unable to honor your request or portion of it based on the limited amount of information. ( attached ) Let me clarify this for you. The " XXXX DDA '' fake XXXX XXXX Account application pull found on my credit report, as in the only " XXXX DDA '' pull which is dated XX/XX/21, please forward the individual 's name that submitted this fake application to you as well as all the information that you gave them. Also, you indicate in previous correspondence that you deleted the " XXXX DDA '' pull, please provide an explanation as I did not request this. 

ID attached as you requested.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit inquiries that I did no authorized 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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2018-01-03
Company: ERC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved a letter from Convergent Outsourcing to collect a debt amount of XXXX for XXXX XXXX. I have not used XXXX in years. I contacted XXXX and have not been placed in collections by the company. This company has also called several times trying to use scare tactics and threatening my credit.

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 2020-01-02
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:
id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud

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 2022-10-06
Company: EQUIFAX, INC.
State: NV
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX BV XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXXXXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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 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, states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), 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 ), states 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen responded to a complaint with the CFPB with errors of information. They stated that documentst are located in XXXX count records and they have mail me copies of the signed modification for XX/XX/2014 and XX/XX/2018. Ocwen stated they own the loan and the title of transfers are located in XXXX County and they have sent them to me. I have not received the documentation.
I have asked OCWEN to provide the Lender on the home being they can not foreclose until they do. The Lenders they provied one was seized by the Federal Government XXXX XXXX The other Lender they provided is no longer in business XXXX and they sold the loan.

I asking for all documentation to be sent to the CFPB as an attachment before OCWEN can move to foreclose on XX/XX/XXXX or XX/XX/XXXX 1 ) title of transfers from the orgination of the loan I show many possible times this loan has been sold without a chain of title. They own the loan they need to show every title up til OCWEN purchased the home 2 ) I am asking for the them to send to the CFPB the modification documentation showing we have an agreement where I reviewed the documentation of a new modificaiton contract with my signature. I am requesting XX/XX/XXXX signed documentation. I am requesting XX/XX/XXXX signed documentation of agreement. I agreed to the modificaiton.

3 ) Once again OCWEN is a debt collector trying to collect from an old debt that is pass the statuse of limitation. I am asking to OCWEN to show an active lender who has this loan. A trust is not an active lender. XXXX XXXX is not in my orginal documents and can not have the trust for the loan, As XXXX XXXX was and is still the trustee for the LOAN. I understand transfer of assignments, but not transfers of TRUST. Explain how a trust closes and then reopen and is assgined without my approval or signature being I had to approve it from the start once a trust is closed it is closed.

4 ) PLEASE provide the FDIC agent/department who assigned the Loan to OCWEN. The transfer of assignments happen in XX/XX/2015 9 plus years after XXXX an a transfer must be done within 30-60 days. Please explain?

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 2023-03-13
Company: Convergent Resources, Inc.
State: AL
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 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello good afternoon my name is and XXXX XXXX XXXX I have a checking account with Citibank every two weeks this bank is over drafting me on so much fees now I looked on my account and it is showing I owe them XXXX cent I called them today a few mins ago and asked why do I owe them that amount they charge me a XXXX dollar sevrvuce fee then a XXXXdollar non atm fee and another XXXX dollar drafting fee Citibank is robbing me this is every two weeks they are doing this not only to me Im sure millions of people Im ready to cancel my banking with them cause its too much they are thieves I have a family and bills and rent to pay cant take them anymore

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 2023-10-20
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was having an account with Wise ( XXXX ). On XX/XX/2022, My account was accessed from the XXXX, though I am from XXXX. I received an email regarding this. Next morning I realized that my account has accessed by someone else. Wise should have detect this new login pattern and transferring {$72000.00} USD in just 30 seconds with 9 separate transfers and {$8000.00} USD each. The transactions happened when it was midnight for me and unusual time for me to login to my account. All are those payments were unauthorised and my phone wasn't working at that time. I didn't accesed Wise app on my phone nor I have installed Wise app on my XXXX XXXX XXXX phone. I also want to mention my account email was changed on that day. All these incident relates to account hacking and unauthorized access to my account. Wise at-least should have detected one of these. 

I also asked Wise on the month of XXXX, 2022, that how much money I can hold in my account? And, Wise response was there is no limit to hold the amount of money. As, I informed Wise about this, they should have more security measures or look-up on my account. If they told me that I had to verify myself first, then I should have withdrawn my funds to my local bank account from my XXXX account, rather than transferring it to my Wise account. I have all the screenshots and evidence of transferring my funds from my XXXX account to my Wise account. 
Moreover, my account was personal, not a business account on Wise. I delayed 15 day 's to report the inident because, the scam was so sophisticated that I was shocked at that time and I haven't got any time to response since the payments leave my account in 30 seconds. As, Wise didn't detect the scam automatically, I lost hope for a refund and on Wise part they say 's they don't take in part in dispute between sender and recipients. Though this is an unauthorised incident. 

It was lot of money for me. I am living on the streets now. I don't have any financial support or anything currently. Those were my only funds left. My life is stucked since XX/XX/2022. I am physically not well that I can do works. As I am a needy person that's why I am looking for a refund of my hard-earned money till now today after 1 year of the incident. Wise took 8 months to conduct the investigation, yet they weren't able to recover any funds and blaming me that I have been overpaid by mistake. All these things are goes against humanity. As, Wise is a regulated firm, they have a duty of care to their customers. They can't just ignore customers problems, when large amount of funds were stolen. I tried to commit suicide several times since the incident happened. Those money were for my treatment and medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
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 have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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 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