BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Delete the following unverified accounts immediately 1. XXXX XXXXXXXX Acct # XXXX Verify this account This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. Please provide method of verification, and original documentation proving this account. 
a ) Promptly delete that item of info from the file of the consumer. 

2. XXXX XXXX XXXX # Number XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account. 
Promptly delete that item of info from the file of the consumer. 

3. XXXX XXXX XXXX Acct Number # XXXX XXXX XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account. 
Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted XXXX because I never received a bill from them just a notice from collections. I can not recall the exact date, but I informed them that I never received a bill from them, so how can you turn me into collections? I was told that " they do not send bills to anyone on the XXXX patient portal. '' This is not true, because I signed my mom up for this and she still receives bill statements from XXXX, and also on her patient portal, she can access her bill and make payments as well, but I can not. I informed XXXX Billing that first of all I did not know this, and after being told this information, I told them I can not access billing on my portal, nor can I see the bill owed. I need statements sent to me. How can you send collections a statement, and not send a bill to me? The person I spoke with was very rude! I also spoke with the IS department and explained to them that I do not have access to billing on my XXXX, and I'm not receiving paper bills, so are there two different XXXX, they informed me there aren't two. So, I had them access my account so they can see that I do not have access to billing to see my debts. I'm still not receiving paper bills, just turned to Collection 's, without any notice, and this is affecting my credit for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contacted the bank multiple times about this issue that happened on XX/XX/XXXX where someone stole money from my card. They have denied my case twice even though I closed the card and I obtain a police report. There is no reason to not give me my money back. And they keep making excuses saying I need this or that or it's closed or something when it shouldn't take almost 2 months to give me my hard earned cash back. I was not doing this transaction and I thought it was an error at the atm I had went to the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to the truist bank mid XX/XX/2022 to let them know that my sister 's wallet may have been taken out out the hospital. I ask them to freeze the account, then asked me to get a police report, i done that. She passed away XX/XX/2022. Truist never frozen the account so XXXX, XXXX was taken from her account After DEATH. I am the P.O.A, Beneficiary of the account and the estate of the Deceased. After funeral services I took them all documents what they ask for was death Certificate and P.O.A information. In mid XXXX of XX/XX/XXXX. I received information that I was only getting XXXX XXXX back and the other XXXX XXXX was going to be Disputed. Now truist is say the account is block. They are looking at the account because staff didn't handle properly and it only XXXX in the account 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 2022-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXX CARD INQUIRED ON XXXX XXXX, XXXX XXXX XXXX  INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON 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 2022-08-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

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 2022-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX  INQUIRED ON XXXX XXXX, XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Citi has taken adverse action against me as a consumer and they have violated the Equal Credit Opportunity Act, 15 USC 1691c and pursuant to civil action liability under 15 USC 1692k and are subject to criminally liability as well due to the adverse action letter I received. 
I completed an application in good faith for the Citi Diamond Preferred XXXX but credit was not issued. My social security card ( credit card by definition under 15 USC 1602 ( l ) was used and I received no benefit. This is proof of fraudulent activity, unauthorized use of credit card, Citi failed to make any reasonable procedures to resolve this matter, all I received was an adverse action letter, which is attached to this complaint. This is a clear and standard daily practice of Citi. This has harmed my credit report and Citi released nonpublic personal information to the consumer reporting agencies as well.

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 2022-06-21
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used XXXX to make two payments on Friday, XX/XX/2022 through Zelle- both payments were for {$310.00}. 

Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. 

I was told on Friday by XXXX that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The XXXX representative told me today that it could take up to six days. XXXX still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the Zelle payment actually goes through! 

There is no way to speak to someone at Zelle. They claim it is up to XXXX to address the problem. XXXX claims it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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:
This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 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 an account without my written instructions.

15 U.S.C 1692C A. : 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.

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 2022-06-21
Company: WELLS FARGO & COMPANY
State: TX
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-08-19
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is as follows : The XXXX XXXX XXXX XXXX XXXX XXXX and Myself have been trying for months to get a reinstatement statement for the Forbearance amount. 

Due to the mortgage company not replying to my/our requests, my property is now in the foreclosure process. This could have been avoided if they answered our requests. It is their fault for my property going into foreclosure as they did not provide the requested reinstatement letter when it was requested. 

They are also charging fees for foreclosure to the point that my principle has increased. It has gone from {$320000.00} to {$350000.00} a difference of {$29000.00} Again, this is the fault of the mortgage company not providing the reinstatement statement when it was initially requested i.e prior to any thought of a foreclosure. 

It is to note that the XXXX XXXX XXXX XXXX XXXX XXXX has been dealing with this mortgage bank longer than myself ( XX/XX/2022 ). I was asked to help get a reinstatement statement for the forbearance amount. 

The following is my communication with the mortgage company. 

1.I contacted the Mortgage company via uploaded to portal ( XX/XX/XXXX ). 
2. Mailed ( XX/XX/XXXX ). 
3.Spoke to a mortgage representative for in the foreclosure department ( XX/XX/XXXX ). 
4. Faxed to XXXX ( XXXX ). 
5. Emailed to XXXX ( XX/XX/XXXX ). 

I also stated the urgency for the reinstatement statement. As I was told by the foreclosure representative that I can request it be expedited and sent to my XXXX email. 

See attached letter that was communicated to the mortgage company with no reply. If there was/is a class action law suit I would happily join it. 

According to yelp reviews I am not the only one with the current issue or issues in general with this mortgage bank. https : XXXX I thank you in advance for you assistance. 

regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX correspondence was sent. Companies have not provided accurate information from their investigation.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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