BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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 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

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 2022-10-02
Company: Experian Information Solutions Inc.
State: MO
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 AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a 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. 

With that being said, why hasn't XXXX and Experian Credit Reporting Agencies removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on XXXX and Experian Credit Reporting agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.

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 2017-05-25
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinance my house on   XX/XX/XXXX  and opened mortgage with Quicken Loans. My monthly payment o n 30 years fix interest loan was  XXXX  On   XX/XX/XXXX  , QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since   XX/XX/XXXX   I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. For monthly payments to Escrow account QL charges me roughly double the amount of total yearly payments that associated with my property. Current  Escrow Balance is {$2000.00} Future p ayments in following 12 month are {$3800.00} x  XXXX  property taxes.    XXXX  x  XXXX  = {$7700.00} ; {$7700.00} -  XX/XX/XXXX  = {$5700.00} ;  XXXX /12 monthly payments is {$480.00} QL instead collecting {$990.00} to create financial problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Transunion, XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
XXXX XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
XXXX. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
XXXX. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
XXXX. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.

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 2015-11-15
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-09-07
Company: Automated Accounts Management Services
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have continued to diapute this company i have had a fraud allert for years on my report as my info was stolden uet they keep reporting debt thats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX Issues with different schools. 
1. XXXX University did not apply unused funds to loans. I 've submitted forebarance forms and request for discharge because my son ( I 'm a single parent ) is permantly XXXX, he has XXXX. I did not qualify for government assistance then nor now, so my income has been limited. Despite obtaining a XXXX in XXXX, I was told by many employers that XXXX was not a recognized university, they were unable to verify my attendace at the school. I 've made payments despite this, not always on time due to ongoing medical issues. I 've had to stop due to XXXX and XXXX for my son. 

2. University XXXX XXXX enrolled me in a course/program that had nothing to do with finance, it was XXXX program. I requested XXXX XXXX, I tried to withdraw several times but was unable to. I spent XXXX years obtaining a degree in a program I have no experience or knowledge about. I do n't have any paperwork from them where I acknowledge my acceptance of the program. 
3. I received a letter from Great Lakes of XXXX XXXX stating that " debtor is hereby cancelled and released. From and after the date of this release, the employer is no longer required to withhold income from debtor 's pay. '' Release date was XX/XX/XXXX. On XX/XX/XXXX Great Lakes sent another request to garnish my wages. Said they never sent above release, when I called on XX/XX/XXXX. When I called again on XX/XX/XXXX I was told a different story in that the release letter is actually a confirmation of an address change '' I had my HR department call, and she was told the same excuse. Great Lakes has sent all correspondence to my employer despite me giving them a correct address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that I don't owe and it was reported before and resolved, now a new collection agency is trying again but is not right. 

Please help the company is XXXX  and is using a new billing company : Southwest Credit Systems , LP this was resolved before and by error, it looks they send it wrong to a new agency.. which is hurting my credit again If you see I have excellent credit that I have been working hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a loan online thru Ace Cash Express. I received an email from  XXXX   XXXX  letting me know that I was approved for a loan for {$5000.00}. Email included a letter from  XXXX   XXXX  along with the loan agreement. It said to call  XXXX  to finish the process. I spoke w/  XXXX  on  X/XX/17    who told me that in order to get this loan, they were going to deposit $ into my checking acct, & I needed to send back. He said I needed to do this because my credit was n't that good ( which it is n't ). They were going to deposit  XXXX  into my checking acct, & I needed to go to Walmart & send  XXXX  to  XXXX   XXXX  -  XXXX   XXXX  IL via  a Moneygram. Moneygram w as sent, & I paid  XXXX  ( incl  XXXX  fee ). I called  XXXX  to let him know th at Moneygram wa s sent, & he said to send him a copy of the receipt to his email, which I did. He, then, called me back letting me know that the {$5000.00} could not go thru, & it may be because my credit was low. He was going to try it again by depositing {$980.00} this time & to send back {$960.00} to  XXXX   XXXX   XXXX  IL via Moneygram, which I di d ( incl   XXXX  fee ). I called him again letting him know $ was sent, & he then told me again to send him a copy of the receipt, which I did. This went on for  XXXX  more times on  X/XX/17    ... deposited  XXXX , sent  XXXX  ( incl  XXXX  fee ) to  XXXX   XXXX  via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   XXXX   XXXX   XXXX  fee ) to  XXXX   XXXX  again via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   ( in  cl   XXXX  fee ) to  XXXX   XXXX  -  XXXX   XXXX  IL via  XXXX   XXXX . All of the receipts for these transactions were also sent to  XXXX  's email. We spoke again on Friday night,  X/XX/17   , & he said that everything looked good now on their end, & $ would go into my acct w /i 15 min s or on Monday. I sent him an email & text on Saturday to check on status & also left him a message as well ... .no response. When I checked my checking acct on Monday, I was negative  XXXX . The  1st  deposit of  XXXX  was taken out. I immediately called  XXXX  to find out what was going on because I was also unable to use our debit card or check acct on my cell phone, & they explained that my acct was locked & looks like all the deposits will probably be taken out,  & I may ha ve been scammed. I am now negative  XXXX . I spoke to both  XXXX  &  XXXX   ( w ho I think are the same person  ) s everal times on Monday & Tuesday, & they both told me that they would look into it & get back to me. I called again on Tuesday night & was told by  XXXX  that he could send me {$5700.00} via    XXXX   XXXX    if I paid {$500.00} fees. I told him I was not going to give them anymor e ,  & I wanted my $ back & was going to report them the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: FL
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:
XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I consolidated my loans and because I did that I was denied XXXX Loan Forgiveness because my loans originated in XXXX. However, I was seeking forgiveness for loans taken for my XXXX which started in 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 2023-07-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Banking institution's is sharing my personal information with third party affiliates with no consent to do so. Under the Privacy Act this is a direct violation. Under 15 U.S.C  6801-6805 protects me as a consumer and allows me an opt out option and non disclosure options that was not provided. I never was sent anything in regard to an opt out prior to the bank sharing my personal information.  The bank was in direct violation of the FCRA  and Privacy Act. They gave information to XXXX XXXX XXXX without my consent. In the banking terms and conditions, it states no information shall be given to third party's or Affiliates and non affiliates. The report from XXXX XXXX XXXX  that is attached is evidence of the Bank sharing information. 


Wells Fargo Privacy statment. 

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
 Our affiliates include financial companies with Wells Fargo in their name such as 
Wells Fargo Bank, N.A., and Wells Fargo Clearing Services, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 Wells Fargo does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market 
financial products or services to you.
 Wells Fargo does not jointly market.

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 2022-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ON XX/XX/XXXX I had a chat with Capital One regarding late fees. They have been added to my account despite me making on time payments I placed myself on auto pay at the beginning of the year so that I wont miss payments. I set it to {$40.00} which was around the minimum payment for a balance of {$800.00} which is my credit limit where it has lingered for quite some time. Despite making my timely monthly payment, Capital One still chooses to tack on late fees of {$39.00}. It is crazy and outrageous and feels like unfair business practices. They have been doing this each month causing me to get further behind in my payments increasing the amount owed to them. Doing this not only prevents me from getting on top of my payments but allows Capital One to enrich themselves in the process. I am an XXXX XXXXXXXX at a XXXX XXXX  making below the federal poverty line. We are currently in a pandemic. They had placed me on a payment plan but I fell off some way some how where there were promises made to hold off on late payments. I asked ( please see the chat session ) if they could please waive the late fees that have been accruing on my account so that I can catch up and not pay these extraordinary fees which should be considered a crime. It is already bad enough that my interest rate is near 30 %. Capital One is not being reasonable nor fair in their dealings. I am putting this complaint through in hopes that this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX I contacted Transunion about the following negative accounts ; XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$1300.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2016-03-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My boyfriend and I purchased a sofa from XXXX and we have a year to pay it off interest free. Before we made the purchase I asked if I would be able to set up automatic monthly payments and was told I could. I just got the bill ( which is through TD Bank ) and got online to set up the monthly payments and their system is designed to only allow me to make monthly payments in the amount of the minimum payment due - which will not have us pay off the sofa in time and would then have us pay interest in an amount almost equal to the cost of the sofa itself. In addition, the loan is set up as a credit card so there are late fees if you do n't pay monthly. I called customer service, assuming there was a technical glitch that would n't allow me to enter a larger amount, and was told by the associate that this is how the system is designed. She said I can set up recurring payments for the minimum amount and then call each month if I want to pay more than that. They promise an interest free loan and then are putting significant barriers in place to cost the consumer extra money. These policies are predatory and need to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation