BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, TRANSUNION and XXXX has violated my rights.

-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercise their grave responsibility with fairness, impartiality and respect for my right to privacy 15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. 

Here are the errors as follows : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Block, Inc.
State: OH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Or or about XX/XX/XXXX I filed a dispute with Cash App regarding a disputed transaction with XXXX XXXX, XXXX XXXX XXXX XXXX for the amount of {$1100.00} which was sent to her through Cash App on XX/XX/XXXX. I provided proof that XXXX XXXX cancelled the agreement for the rent to own home on or about XX/XX/XXXX because she was unable to reach us due to an urgent family matter. I also provided proof that XXXX XXXX represented that she was owner of the property when she was not the owner and XXXX XXXX has committed fraud in representing she was owner of the property she was trying to rent to own with me and my spouse. Cash App representatives ignored my dispute, has not contacted me regarding it and has claimed at another time during XX/XX/XXXX, they do not see the dispute. I resubmitted another dispute on the same transaction yesterday XX/XX/XXXX. Cash App has poorly handled my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: UHG, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in 2017, I used to have a credit card through XXXX. I was unable to make payments so I stopped paying on it. 

Over the next few years, XXXX eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " UHG XXXX, LLC '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for UHG ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I'm writing to give an official complaint about the Chase XXXX XXXX  Program. I had to cancel a flight and was told I would get a credit. I called to rebook a flight and discovered that the difference between my original flight cost and the new flight was to be forfeited. That seems unfair, unethical, and probably illegal. 

I wrote to Chase to complain about this, but haven't heard back. I just wrote to them today, though.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: OH
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 recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below * XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I AM A VICTIM OF IDENTITY THEFT. I AM A VICTIM OF XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO.

5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
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 XXXXXXXX XXXX XXXXXXXX # XXXX, n 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below * XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction

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 2022-07-01
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect Address on my consumer reports

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 2022-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN EMPLOYERS : XXXX XXXX XXXX  XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/XXXXXXXX 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 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

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 2022-12-02
Company: Financial Assistance Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been receiving phone calls before XXXX XXXX and after XXXX XXXX of harassment, profane, abusive and vituperative language, threats of jail, prison, violence, and death from Financial Assistance , IncXXXX, Debt Collection Representatives in regards to a debt collection account from XXXX XXXX XXXX XXXX for {$360.00}. The debt collection account is not my account and is the result of identity theft. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2022-08-22
Company: Experian Information Solutions Inc.
State: SC
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 account # XXXX, XXXX BANK account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX BANK account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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. 
You DID NOT have my written instructions to do so. If so, PROVIDE THEM. 

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo Bank lied about purchasing my Mortgage loan debt with their recording of the Assignment of Deed of Trust on XX/XX/XXXX, and had the document recorded at XXXX XXXX Register of Deeds, as it said on the document that it paid value for the Mortgage loan. 

Wells who not entitled to perform a non-judicial foreclosure as it did not hold the Mortgage Note as a party that was owned a debt and was at the time holding the Mortgage Note for XXXX XXXX as the custodian of records and not as debt holder. 

Wells misrepresented to the State of Nebraska that they held the debt but in fact was not owed a debt and could not collect for XXXX XXXX who after the fact they said they were working for to collect a Mortgage debt that XXXX XXXX did not purchase any Mortgage debt as they never extended a loan or purchased Mortgage debt. 

XXXX refuses to provide proof of paying value for the Mortgage loan and their bogus claim that they used in claiming that they purchased a loan from XXXX XXXX on XX/XX/XXXX, to remove the Mortgage loan from the XXXX XXXX XXXX has nothing to do with real estate as the property at XXXX XXXX XXXX XXXX XXXX was illegally sold on XX/XX/XXXX, which no assignment of deed is available because no property is involved as it was extinguish 11 days prior! 

Because neither XXXX XXXX or Wells Fargo Bank had ever paid a value for the Mortgage loan that neither paid monies for or originated so a non-judicial foreclosure is not available to either XXXX or XXXX and did not possess the to foreclose as neither was owed a debt from me! 

XXXX refuses to provide proof of purchase and the fact that they were the custodian of records for XXXX XXXX did not make them Holder in due course, but only the holder of the Mortgage Note for XXXX XXXX who is prevented by US Congress from buying or selling a Mortgage loan! 

Where is the proof of a sell of the Mortgage loan to Wells Fargo Bank as stated in the Assignment of Deed of Trust recorded on XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXInquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired on 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 2022-07-28
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
creditor called me as a md resident on a sunday regarding a past due payment

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 2022-07-28
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation