BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
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, everything has to be 100 % on my credit report. The credit bureaus stated my account was properly investigated, but how is that possible when I contacted the court and their response is enclosed below. It is clear that they do not report to XXXX, TransUnion, XXXX, or any other credit bureaus. Therefore, the response verifying that the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA S 611 ( 15 U.S.C.SEC1681. That's grounds for removal and the also violated my rights under the 15 U.S.C. 1681 SEC 602 states that I have the right to privacy. 15 U.S.C 1681 Section 604, states that consumer reporting agencies can not furnish your account without my written permission. So I did not give written permission to these accounts to be furnished on 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 non-monetary relief
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX, Im reporting wrong information on my credit report. I never had a city card before but it's on my credit report. 
No other Credit bureau has it. Only Experian has wrong information on my credit report and it makes me hard to get a student loan this year. I already paid for my own. But I need to borrow lone for next year. 
I need a student loan from my school but the school can not qualify me for loans cause of the wrong information on Experian. Please look at it one more time and remove this, please. I can not finish my major if they can not qualify me also I can not go back cause no money. Please check one more time and remove this. I need help please help me!

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending request to investigate all accounts which are not belong to me and were opened like a fraud. If you do not have proofs that are mine, please remove as soon as possible from 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 2015-06-29
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Citi XXXX issued by Sears. I used this card to have a $ XXXXpurchase in sears store XX/XX/XXXX. I updated my address in sears. 
I changed my address in the local post office. But I never ever receiveda bill mailed to me. Because I do n't use this credit card too often, and alsoXX/XX/XXXX is a holiday season, I do n't remeber this bill. 
Today, I got a call from XXXX to say I have a bill for {$240.00}, which inculde the late fee XXXX. I do n't think it is my fault to cause the latepayment. I beleive there is Something wrong about the bank or sears'ssystem. 
When I called sears, their custom service told me they just update myaddress on XXXX XXXX. I already update my address on the day I did thepurchase. 

I definitly would like to pay {$68.00}, but I request waive the late fee. becauseit is the bank or sears 's responsibility. 
I called them, also, I sent a email to dispute ( XXXX This issue have n't been resolved. 
My reference number is XXXXMy card number is ****************

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-14
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check was written to me and my business from a Wells Fargo account and it was intercepted by a now convicted felon who is in custody of the NJDOC for XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : Purposely XXXX XXXX XXXX XXXX XXXX /2 The check was cashed by him and deposited into his business account. The law firm that owned the account closed the account shortly after this event and was no help in resolving this matter. I filled a complaint against the law firm, XXXX XXXX XXXX XXXX, XXXX, with the New Jersey Ethics Committee. As of this writing, I have not heard anything on the matter and have no idea what the final outcome was. The check was written XXXX/XXXX/XXXX. I handed over all my files to the FBI office in XXXX, to Agent XXXX XXXX, the agent on duty and she stated she would forward them to the appropriate agent/department. XXXX XXXX is the individual that cashed the check, and I can not understand how any teller would allow this unless they were involved or culpable in some way. I did not ever have any access to the check nor did I endorse it over to him. I have never been able to cash or deposit anything that was not made out to me unless it was signed/endorsed by the recipient first. XXXX XXXX, XXXX XXXX, and XXXX XXXX wife were charged by the NJ State Attorney Generals Office and there are numerous charges levied against them in the State of New Jersey court system. 

This was a real estate transaction and as a result of this theft by XXXX XXXX and his partner in crime XXXX XXXX, I am out of {$60000.00} which is outrageous. 

All documents are attached that I feel are relevant, factual and authentic. Some of the documents are official government documents which should leave little room for speculation or doubt. The check image, NJ State Attorney General public document, XXXX XXXX NJDOC incarceration record, NJ Ethics Committee documents and other supporting files.

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 2016-10-08
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold account with a promotional offer to get XXXX American airlines miles by satisfying the following requirements : spend {$1000.00} on debit card, 2 consecutive months e bill pay within 90 days and maintain balance of {$50000.00} in the account. These requirements were met in XXXX 2016 and they assured me that I would receive my miles by XXXX 2016. I have still not received these miles

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 2017-10-14
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ok, twice I got time out ... very upset ... your system does not offer to save a partially finished file ; I suggest you do this immediately ... 

I am blocked from a new account at US bank, XXXX XXXX, and XXXX XXXX both in XXXX XXXX, Ca ; the first at XXXX on XXXX XXXX, and the other 2 blocks down XXXX XXXX. 

They lied and said they could not pull up my account ; they refused to let me withdraw ; or show me the screen. 

I have 24 accounts under XXXX ; and several relatives that are XXXX ; XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ; there are other names for XXXX   relatives ; in all $ XXXX ; so I need the branch to order XXXX certificates asap ; I am willing to sign a release for DMV, DOL, plus I had an old mrtg loan in XXXX to verify my signature. 

I showed my id, and tried to get them to help me, and I believe they are committing these crimes ; identity theft, with fake id, tax evasion, racketeering, and XXXX, XXXX from XXXX to be deported ; and in the other branch ; XXXX from XXXX, and other XXXX XXXX back on the boat to XXXX!!! Deportation, Work Violations with immigration!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: 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:
In accordance with the Fair Credit Reporting Act 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 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have been informed of the Transunion security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to Transunion.

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 2018-01-28
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received three letters from National Credit Adjusters ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from XXXX. I also have had several telephone calls from National Credit Adjusters. 

On XX/XX/XXXX I sent a letter to NCA saying that I had no such debt and have never had any dealings with XXXX. 

On XX/XX/XXXX National Credit Adjusters sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information NCA sent is a XXXX loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: MoneyLion Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refer to XXXX and XXXX. They still havent fixed it. They are charging too much for escrow. They need to reduce monthly payment and also refund overage. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Byrider Franchising, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a auto loan with Santander Consumer USA, originally brought by XXXX. My issues is when I had failed behind my payment back the later part of XXXX due to I was laid off but I did get my account to current in XXXX XXXX. At that time, I asked the representative if I pay my balance will that restore my account back to good standing and that it will be reflected on my credit report and updated. She said yes it will. On my credit it showed chargeoff and the representative stated that it will take about 5-7 business days for XXXX will update my credit so it will not reflect the charge off. Since I had brought my account to good standing and making my monthly payments on time, I just happen to look at my credit report a couple months later and I still see a charge off. I called XXXX and explained to them of what 's going on and the representative apologize and stated that she will sending a message to the credit department so they can get that updated. I was like ok, maybe something was crossed up in the system the first time of why it was n't done. I checked my credit again a month later and the charge off is still listed but it does show my payments has been reflected on the account. I called XXXX again and she transfer me to the credit department. The young lady then tells me that my account has been restored back to good standing and they see where I 'm making payments on time but the chargeoff will remain. I told her that do n't make sense and they still sending me monthly statements each month for my payment and also shows the payment receipt. Also I 'm about to obtain my payoff information. I told her that is not best business practice b/c even my account is showing good standing it should be reported to the credit bureau in good standing instead of it showing collections/charge off. This has been a negative impact on my credit big time and this company is not truthful and is not operating legally when it comes to consumer accounts of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
RE-OCCURING ISSUE Case number : XXXX The lender has not addressed the issue. The question is, is it legal to force mortgage underwriters to apply disparate treatment while underwriting loans? If the company feels that this is not the correct forum to address this then maybe the Department of Justice would be a better agency.

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
Consumer complaint received 2020-03-12
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2016 I was charged a collection on that is just now appearing on my credit profile. J in didnt even use XXXX XXXX XXXX. 

I now live in XXXX this is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 have been informed of the XXXX security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Neighborhood Title Loans I
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/2015 I took out a title loan with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Tn for {$2500.00}. It was not explained that the monthly payment of over {$500.00} was not paying back my loan. This is the interest that they charged for the loan!! I feel the loan should be explained to where you understand how much your payments are going to be. I have paid several payments on my account and it does not seem to go toward the loan itself. I have received multiple collection calls daily several times a day wanting money I can not afford to keep paying toward a balance that does n't seem to be lowering. I feel I have been taken advantage of and that the title loan place was only wanting my truck. They set you up for failure by charging such high interest. The loan place also gave out my information to a family member even after I ask them plainly not to discuss my loan with anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   2016  i filled a dispute against ERC  XXXX   XXXX   XXXX  in the amount of {$340.00} and on  XXXX   XXXX     2016  it was removed from credit reports all  XXXX  credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... ..       thank you  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.

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