BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Employer : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ 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 2021-05-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
this is dated last XX/XX/2020. 
regarding the credit amount of {$4800.00} plus transaction fee and penalty fee. 
because they didn't resolved the disputed amount but I sent already and provide all the documents that they request. 
the reason why I wanted to refund was because I was in a subtle way cheated and deceived with all of my hard earned money. In fact, I have an evidence to prove that they were lying about the price on their website. The price has not been updated up until now.

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 2021-08-17
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian Report # XXXX XX/XX/XXXX Experian has on my credit report Inquires shared that I did not approve or sign giving consent to the Inquires> Experian needs to remove the ones I listed and/or proof the source the document I gave them to consent to check or run my credit. I need document that shows my signature or remove from my credit file. Some Inquires I approved The ones I listed I did not consent to or sign as it shows the same companies running credit or dates I did not apply for credit. 

1 XXXX XXXX XXXX. XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XX/XX/XXXX 6 XXXX   XXXX  XX/XX/XXXX 7 XXXX XX/XX/XXXX 8 XXXX XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XXXX XX/XX/XXXX 10 XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX 11 XXXX/XXXX XX/XX/XXXX 12 XXXX XXXX XXXX XXXX XX/XX/XXXX 13 XXXX/ XXXX/XXXX XXXX 14 XXXX  XXXX XXXX XX/XX/XXXX These companies I did not apply for credit in any way and who ever ran the credit did fraud and I need documents of my signature to these companies and the Inquiries Deleted/Remove.

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 2018-06-08
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a joint XXXX credit card account with my husband. He was the primary cardholder and passed away in XX/XX/2016. The account was later closed ( by them ). There was a credit balance on the account, which, as you can see, I did not receive ( see letter ).

Unfortunately, after the account was closed, there were additional payments made to the closed account. I did not realize that my banking system was set on an auto-pay schedule of {$400.00} per month. This was paid automatically, monthly, to the closed account, through my bank. At no point was I notified that these payments were being made to a closed account. They just kept receiving the money - month after month after month, without ever saying anything, whether by letter, phone or other method. 

I have attached a printout of the extra payments that were made to a closed account and which I am due in the form of a refund. As you can see, I am owed is many thousands of dollars ( {$400.00} plus the credit balance that existed before the account was closed ). 

Over the past few days, I tried calling several times, with lots of transfers and customer service reps - including their probate and funds recovery departments. Unfortunately, no one individual  seemed to be able to access all of the information or be able to resolve the problem. It has been very frustrating and I need help. 

Sincerely, 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 2021-08-17
Company: EQUIFAX, INC.
State: GA
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:
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX XXXX XXXX XXXX this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
While I had full coverage insurance naming the bank as benefit, XXXX XXXX/Wachovia/WF put lender placed insurance on my home at three time the cost and paid themselves commissions. I was current with all payments, insurance and taxes when this happened. I asked how may people did they do this same scam to in XXXX County Florida and the bank never responded to the Judge 's order for discovery. The case was dismissed. I tendered a check of {$100000.00} through my attorney to reinstate the loan and was denied. I offered to buy my mortgage in 2010 and was denied. Wachovia wrote the loan off but refiled under Wells Fargo for a 2nd time and lost and paid attorney fees. Wells Fargo has now filed a 3rd time. I demand to know how many people in XXXX County Florida went through the same fraud by Wachovia/Wells Fargo

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 2019-07-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2019, my wife and I purchased a massage chair from Mattress Firm. They had informed us about making a monthly payment for this chair. Since receiving the chair, we have been billed several different amounts. Synchrony bank first sent a bill for {$92.00}, then {$37.00} and now they have sent another for {$67.00}. At this point, we have been trying to return the chair because we feel this will negatively impact our credit and do not want the hassle. Mattress Firm is unwilling to return the chair. Then, in XX/XX/2019, we received a bill from XXXX XXXX  for the same chair! We were unaware of two different credit companies billing us for the same product. I have filed a fraud claim with XXXX, and also informed them that my salesman is not answering his phone or returning any calls about this matter. The last time I spoke to him about the XXXX issue he told me not to worry about paying them! At this time, we are unsure of what to do or where to go, but we definitely do not want this chair 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 2022-07-05
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX XXXX Acct # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

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 2020-05-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My wife ( then fiancee ) and I moved to Minnesota in XX/XX/XXXX, migrating our personal bank accounts into joint savings, checking, and credit card accounts with BMO Harris. We choose BMO Harris because it had physical branches in the XXXXWI and XXXXIL areas, in preparation for our wedding in XXXX that same year. The accounts manager included a " personal line of credit '' that included yearly fees but were not explicitly stated, as my wife and I were ( and are ) adverse to accounts with fees. We would never use this line of credit. To describe the character of the accounts manager that created our accounts : he got our names, phone numbers, social security numbers, and address all incorrect, taking months to correct in person, over the phone, and online. Additionally the savings account we were given had a prohibitively large minimum balance that incurred fees, another feature of our accounts not explicitly disclosed. I visited a branch in XX/XX/XXXX to close all remaining accounts, including this line of credit, and neither the teller or Account Manager informed me that the personal line of credit could be canceled because of a balance due. I still received vague emails about my online account. A call to customer service in later in XXXX, the representative informed that I had no active accounts and that it must be a glitch in the system pending the removal of my online access. Recent ( this month, XXXX ) updates to BMO 's online system, and email notifications informed me that I had an account with a balance due. After reactivating my online access, I clearly saw the personal line of credit and a non-zero balance. Numerous in person, over the phone, and online interactions demonstrates a clear pattern of incompetent, if not fraudulent, business practices. Given the times involved, XXXX to XXXX, I have no records remaining as problems of this nature become apparent within a year, and I keep those records for at most two years. I will be buying a larger fire-proof filing cabinet to keep records for at least 5 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW XXXX is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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 2021-08-17
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a veteran and was offered a 3 line package with XXXX if I transferred my lines. On XX/XX/2021 I tried to port over my wireless cell from XXXX by XXXX to XXXX however they could not complete the port. I was misled when they offered the services. Since the port was not able to complete I never activated the services. In other words, I am being billed for services never rendered. XXXX recognizes that the port was not successful and the account was canceled the same day. I contacted XXXX several times and was advised they will correct the account but have not done so. Now they have placed the account with a collection agency that has threatened to report it on my credit report. This is a clear case of unfair and dece [ tive practices. The amount billed is {$97.00}.

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 explanation
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America, N.A. transfered the service of my loan to XXXX XXXX XXXX, decpite of promise at closing document no to do it. On SERVICING DISCLOSURE STATEMENT, it says : " Your mortgage loan will be serviced by Bank of America, N.A. and it does not intend to sell, transfer, or assign the servicing of your mortgage loan. 
I contacted BofA representatives 3 times regarding this issue and they say that " does not intend to transfer '' does not mean that they will not.

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 2020-06-26
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Discover I have reached out to your office multiple time asking you to provide me the information to who you have place discover XXXX with you first stated that you had handed it down to XXXX  but I reached out to XXXX  they stated they were no longer handling it for you and I sent you the paper work in writing. This had been going on for sometimes and your refusal of giving me any information is not acceptable on my behalf. As of this this XXXX day of XX/XX/2020 I XXXX XXXX XXXX at XXXX hrs ask of your company to cease and Desist all Further collection on this account. You have violation my rights and the FCRA as well as FDCPA I asked of your office to remove the adverse account from all four of the credit files. Immediately. I asked you months ago to note the accounts of each of the credit bureaus you refused which made this a violation of a federal and you know this is what made me Escalate in contacted XXXX  when you delete this from all four reporting agencies I asked that you sent me in writing that the unverifiable information has been removed. All you had to do is what I asked you to do months ago you were quick to run back and add the required noticed on the report in which I know you did due to the fact that I have alerts on my report if anything is added to the report other then deletion after XXXX hrs today legal action will apply due to cease and desist request I thank you for your full Cooperation and look for to your letter with the deletions.

Company response to consumer: Closed with explanation