BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 and XXXX  Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]

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 2015-11-18
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed GLA a letter on XX/XX/2015 asking them to remove the comment " customer disputes this item '' I can not proceed with a mortgage with these XXXX collects saying this. On XX/XX/2015 a GLA person contacted me about paying the XXXX collections. 

I told her that I might have paid these collections through the XXXX dept XXXX. XXXX hospital sends my unpaid bills there most of the time. 

I have had XXXX about 10 years ago. I have to have bi-annual XXXX with them. Sometimes I just ca n't paythe amount I owe right away. 

I spoke to GLA today, XXXX about paying the XXXX collections and a lady tells me there are XXXX more collections I owe. That are being reported on my credit that I am not seeing? 

Is she kidding me? GLA never mentioned these XXXX other collections before? Is this a collection scam? She never offered my any proof of the bills/collections. Just said I had to pay them along with the XXXX I am aware of. 

So this is what they call scamming the elderly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: In progress
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Dispute of Unauthorized Inquiries on my Credit Report - Reference : 15 U.S.C. 1681 I am writing to formally dispute certain inquiries listed on my credit report as authorized by the provisions of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. 1681. I have reviewed my credit report from and identified unauthorized inquiries that have been made without my consent.

I would like to bring your attention to the following inquiries on my credit report : DEPARTMENT OF EDUCATION Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX I would like to emphasize that I did not provide permission or authorization for the aforementioned inquiries to be made on my credit report. According to the FCRA, it is essential that inquiries made on an individual 's credit report are done so with their explicit consent. As such, these inquiries are in violation of my rights as a consumer under 15 U.S.C. 1681 and the FCRA.

I kindly request that you investigate these inquiries and, if found to be unauthorized, remove them from my credit report in accordance with the law. Please provide written confirmation of your actions and any updates made to my credit report.

I expect your prompt attention to this matter as required by law. I believe that a thorough investigation will reveal that the inquiries were made without my consent, and I trust that you will take appropriate action to rectify this situation.

Thank you for your assistance in resolving this matter. I look forward to receiving written confirmation of the results of your investigation and the corrective actions taken.

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 2023-02-22
Company: EQUIFAX, INC.
State: NY
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:
My personal information has been involved in a breach with Equifax. This has caused inaccurate information to show on my credit report. In addition to fraudulent activity. I would like ALL negative items removed immediately. I am demanding immediate financial compensation for my mental anguish and time that has been spent correcting these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Ex employee " XXXX  XXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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, 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 an 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 explanation
Consumer complaint received 2023-02-18
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Here is the last email i sent to TD Bank : URGENT : Please contact me ASAP to resolve this. I was charged a late fee of {$29.00} last month. The recurring payment was scheduled on time ; however, it did not go through on your end. I made the payment manually within hours of its due date and made the next month payment in advance in good faith. I just logged in to see if the {$29.00} fee was removed and see a new {$40.00} late fee was just charged to my account today .... My emails have not been answered. I will not pay any late fees for a banking error that was not my fault. Because TD is continuing to charge late fees to my account and not responding, I will stop all further payments to this account until the late fees are removed. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : US DEPT OF EDXXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : DEPT OF EDUCATION/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I requested XXXX benefits to be applied to my account. I am XXXX in XXXX. I included the statutes from Louisiana, XXXX XXXX, and proof of XXXX XXXX status. And was denied benefits adjustments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/. I have asked them for the contract that was signed with my wet ink signature and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This information is not mine, it does not belong to me and I do not want it in my report. 

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 non-monetary relief
Consumer complaint received 2023-12-11
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a small claim case with a future hearing date scheduled with the original company who sent this claim of debt to a collection agency. Invoice totals and final statement totals are not equal. An additional arbitrary and unexplained amount was also added to final statement. 

XX/XX/2023 - Received email notice of an attempt to collect a debt XX/XX/2023 - Replied via automated system that I was disputing the accuracy of the claim. 

XX/XX/2023 - Sent dispute via certified mail requesting accuracy of the claim. 

XX/XX/2023 - Received notification that a derogatory claim on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My monthly mortgage payment with Nationstar prior to XX/XX/XXXX was {$1.00}, XXXX. I was informed by my new mortgage loan company would be Mr. Cooper, and that I have an escrow shortage of {$2000.00}. XXXX. After speaking to the escrow specialist from XXXX XXXX I was informed that my Taxes had increased by {$270.00} a year. It was further explained that I was actually {$2700.00} short. The escrow analyst reported that my actual shortage was really {$1400.00} and XXXX XXXX took it on themselves to charge me an additional {$1300.00} since they were the ones to cover the escrow shortage of {$1400.00} which totals {$2700.00}. When I first acquired the loan on this home approximately 13-14 years ago my monthly payment was around {$1200.00}. XXXX. I refinanced this loan about 5 years ago for a 10 year mortgage bringing my monthly payment to around {$1300.00}. A year or so later my mortgage company changed and I was told Again and Again that my escrow was short. each time the mortgage company told me that my escrow was short my monthly payment would rise. Now my mortgage company has changed again and again my mortgage payment has risen by about {$200.00}. I first purchased this home in XX/XX/XXXX for around {$120000.00} and my payments was around {$1300.00}. I now have a mortgage balance of {$73.00}, XXXX and my monthly payment is {$1700.00}. It seems that the more the balance decrease the payments should decrease as well or remain close to the same. There is clearly something wrong with this picture. PLEASE HELP. I do not want to go into foreclosure or have to pay for a foreclosure specialist that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent letters to Equifax, XXXX, And XXXX Via Certified Mail on XX/XX/ To Remove These Fraudulent Accounts Off My Consumer Report, These Accounts Have NOT Been removed Since I Mailed Letters To these companies I Have requested Proof Of Ownership and Have Explained these accounts were opened without my knowledge and is a DIRECT result of identity theft I have sent various documents to verify my identity, yet this company VIOLATES FCRA Laws 611 ( a ) and also did not properly investigate my disputes and remove information, I have since then filed an complaint with the FTC regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a booking through capital one travel to stay at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX The booking was made at XXXX, as I was driving from Indiana to Texas and needed a place to rest for the night. I was not planning on getting to the hotel before XXXX, but figured I'll make a booking in advance. 
At no point during the reservation process - including the " policies '' that are detailed in the booking page - was I told I had to get to the hotel before XXXX  ( otherwise, for obvious reasons, I wouldn't have made the booking ). 

When I got to the hotel, I was told I was marked as a " no show '' and they can not give me my room, but I can book a new one ( and pay for it as a new reservation ). 

I was trying to get capital one to resolve it, or refund me. 
They said it is my problem that I did not call the hotel to tell them I am arriving after XXXX, and that in the email they sent me after I booked ( a non-refundable booking ) it stated I had to be there before XXXX. 
Not only did I not open the email until I got to the hotel ( why would I? The web page said my booking was confirmed ) - but even if I had opened it - I was still not going to make it before XXXX, and couldn't cancel the reservation as it is non-refundable. 

The hotel refused to accommodate me, Capital one say they won't refund me. 
I think it is wrong on their behalf to not state at the time of booking ( before I confirm & pay ) that I must be at the hotel before XXXX, or call the hotel if I don't. 

When I called capital one they said I deserve nothing. 

This seems like bad faith behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Block, Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank debit card was stolen last night. I contacted my bank and they told me that over {$500.00} was taken out through cash app. Thats all my bank could see. I contacted Cash App and they told me that, since there is no transactions of it in my account, that XXXX XXXX stole my debit card and hooked it up to their own Cash App account. I asked why didnt it flag the name being different? Why didnt it ask them to verify the ATM pin linked to my car. Even the gas station verifies pins at the tank. Over {$300.00} stolen in my state is a felony. So these people committed a felony and currently has my debit card. And they wont even tell me who currently has MY debit card linked to their account so I can tell the police. I asked to speak to a supervisor because this is about illegal activity and doesnt follow their usual standards, and they told me that no manager was available. So I told them I would continue to wait on hold until one is available to talk to. And she said that is not an option that they will email me. I asked for a time estimate as this is important to me. She said there is no time estimate. It could be somebody I know stealing money from me, they could be putting me in a dangerous situation withholding this information about a literal felon, that probably is an experienced scammer, and knows that cash app doesnt help with fraud much at all so he or she probably knows to steal cards and hook them up to their own account and its still doing it out here today because they havent been caught because of cash app. They dont even care enough about their customers to even make them verify what card is being put on to their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a bill pay check payment from my Business checking account ( XXXX XXXX ) to my XXXX for {$700.00} ( the payment was a XXXX  refund for their security bond ). 
The check was cashed by the XXXX once on XX/XX/2023 and the exact same check was cashed again on XX/XX/2023. 
I can not contact the XXXX, but I have raised the issue with Bank of America on 3 phone calls ( attached is the letters from BoA ). Each time BoA admitted it was their error that validated the check twice and promised the money will be returned within 5 working days. After the last phone call I attended the local branch where I was told that I have to pursue the case civilly and the bank will not refund 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 monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This inquiry was not authorized 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: SYNCHRONY FINANCIAL
State: TX
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:
Upon reviewing my consumer report, I notice several accounts that Synchrony Bank is reporting without obtaining my written consent. The following accounts did not had a certified document explicitly stating the permissible purpose for obtaining or using my consumer report : XXXX 's account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, and XXXX XXXX account ending in XXXX. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have included an advisory opinion from the Consumer Financial Protection Bureau, which outlines specific obligations for consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).

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