BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

CALIFORNIA XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$55.00}, and XXXX XXXX CT CA XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-24
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my Rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX there were XXXX unauthorized online transactions made on my Chase Bank account. XXXX transaction was for {$2400.00} and the second was for {$1200.00}. XXXX. I called to notify the bank as these charges were still pending. I was told by the XXXX employee that the transactions had to post before anything could be done about it. I was turned over to the fraud department who then asked me did anyone else have access to my password to this account, to which no one does. This was a savings account I share with my wife, who has her own password. The fraud department discovered that there were XXXX unknown phone numbers that were recently attached to my profile. The numbers never belonged to me, so they deleted them. They told me my account was compromised and changed my savings account number and issued me a new credit card. The bank came back after months of spending time claiming that they don't see any issue with the online transactions. The bank would not give me any information to where the money was transferred to or from what computer the transactions were done on. I have yet to hear anything else on this matter. I filed a police report to try and investigate this case. The detective did find out the unknown phone numbers were to burner phones used in California and law enforcement would not follow up since the crime was from another state. Chase bank did not respond to XXXX XXXX  the detective sent to get more information on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-18
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX XXXX I am sending this to request my full credit file. Including ( sources, report recipients, and summary of rights ).

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 2022-08-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my checking account with Truist Bank. 
My branch is in XXXX, FL. 
Routing number XXXX On XX/XX/22 I performed a mobile deposit of a check valued at {$560.00} and the balance was available the next day. That check was written by a credit union. On Saturday XX/XX/22 I performed a mobile deposit ( using the banks mobile app ) of a check from XXXX XXXX of XXXX, XXXX for {$2100.00}. I fully expected the funds to be available by Tuesday XX/XX/22. Instead, while my posted BALANCE showed that amount had been added, my AVAILABLE balance did not reflect it. When I contacted the bank, I was told that those funds would not be released until the morning of XX/XX/22 because, " There is a lot of check fraud in Florida '' and " We don't know if the bank will recall that check ''. 

I have never had ANY check held longer that 3 full business days. And after doing research online, I discovered dozens of similar complaints for personal and business accounts where large checks are being deposited and Truist Bank is taking up to 2 entire weeks to release those funds. This was a check from an automobile dealership that I had already waited 10 weeks for. 

I think this is either illegal or poorly considered. I can not be held personally responsible for account balances - either the check will clear or it won't but don't use pitiful excuses to defend a bad policy

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 Account # XXXX, XXXX. XXXX XXXX Account # XXXX and XXXX 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, 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 2022-09-30
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had an issue before where a car dealer told me my Equifax account was locked and they could not get a score from them. I tried to resolve it over the phone but I was never able to get it unlocked. It cost me an extra {$1000.00} down with the car dealer to complete the transaction. It is now about 3 years later and I am applying for a Home Equity loan with XXXX. XXXX is telling me there is a freeze on my Equifax score. I have never requested either a lock or a freeze on my account. I find this to be extremely frustrating and invasive to my financial security. I have never received a letter from Equifax about any matter ever and I am unable to LOGIN to my online account. The website does not adequately provide a reasonable way to reset my password it simply spins you in circles and you get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: TN
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:
I've put experian on notice numerous times asking for them to delete inaccurate personal information by mail and they refuse to remove them. Experian is the only agency whom does not comply to delete outdated, inaccurate, non deliverable to me addresses and names. experian is reporting numerous last names that is NOT on my social security card. I've sent them a copy of my social security card, drivers license as well as proof of address and they refuse to comply. there is no were in the FCRA handbook that specifies for old outdated information to remain on my consumer report. I've dispute with XXXX and XXXX and they both have complied to FCRA by deleting the outdated information. why hasn't experian complied to FCRA regulations?

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 2022-10-24
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding CFPB Complaint Number XXXX and CFPB Complaint Number XXXX, which SLS  claims to have been rectified, SLS has not yet provided me the {$11000.00} they have owed me, and claim to have sent in XXXX XXXX. I emailed them multiple times through the portal throughout XXXX XXXX, telling them I have not received these funds. After calling SLS over the phone last week on XX/XX/XXXX they stated ( for the first time ever ) that they sent it via XXXX, but never ended up providing me a tracking number. If they had provided this tracking number weeks ago, I would have avoided hopelessly checking my mail for several weeks thinking that an over {$11000.00} check would finally come. 

Last week ( XX/XX/XXXX ) I asked them to reissue the check, and expedite it, after being nice enough to tell them last month that I was okay with waiting a few more weeks to wait to see if it came. I called again this morning ( Monday XX/XX/XXXX ) to check on the status of this reissuance, and they told me it can take up to XXXX business days. They stated the initial case was not even sent to the right department, and it looked like nothing had actually been done to expedite this matter. Their reissuance timeline would have result in me having to wait over XXXX months in total to get these funds from the date they claimed this check was sent, and would be several months since SLS initially owed me this money. 

SLS is literally stalling on giving me these funds. At one point they claimed they would be waiting on their bank to process the stop payment, when banks do not ordinarily take several days to process a simple stop payment. They opened another case this morning to try to get it to me faster, but I am not exactly confident this will actually happen. 

I am filing this complaint so that these issues are chronicled in the CFPB system and so that this does not happen to any other parties.

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 2022-08-03
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Ingo Money, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
After using the check cashing service by Ingo Money on XXXX twice they suspended my access after 2 successful cashings of valid checks saying that they had determined that my account exceeded their risk criteria. 

They did not give me an explanation for why I exceeded their risk criteria or a means of appealing the ban on my account. 

Ingo Moneys check cashing service has cornered the market in terms of providing check cashing services to online debit and checking account services. Most ( certainly above 70 % ) of these services use Ingo to allow users to deposit a paper check. Big examples of apps using Ingo include : XXXX, XXXX, XXXX, XXXX, XXXX, various XXXX XXXX XXXX rebranded accounts sold in starter kits in retail stores, among others. 

Banning me from Ingo without an explanation nor means of appeal seriously disadvantages and impedes my ability to utilize banking services and keep myself organized financially in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My SSN is SS # : XXXX. I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security XXXX on my credit report or sell any information containing my Social Security XXXX to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1993. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Money was already taking from my bank account, but they say that they need kore information, I already try to submit it, but they do not give me the option to cancel or submit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: AL
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:
I called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX  XXXX. She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX XXXX and disputed the late payments with XXXX, Equifax, XXXX with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Tate and Kirlin Assoc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive received over 50 calls from this company Tate, Kirlin & Associates. No voicemail were ever left and I assumed it was a spam call and disregarded. Due to the excessive calls that I was receiving I finally answered and on XX/XX/XXXX at XXXX I advised the caller to please not call me as they are calling my cellphone and calling during work hours and causing issues and distraction from my work. The caller then disconnected. I again received calls on XX/XX/XXXX at XXXX caller did not speak and disconnected call. I received a call on XX/XX/XXXX at XXXXspoke with caller and again advised I had already explained previously on XX/XX/XXXX that this is my cell these are work hours and to cease communication as this is causing me an issue with work. I was advised I was being removed. Another call on XX/XX/XXXX at XXXX spoke with XXXX and again advise the same as I did on the previous calls, XXXX said she will remove me from list. At this point I advised my rights were being violated and requested company mailing address, and name. Initially XXXX tried to disregard my request and said Ill remove you I told her thats what I was previously told and continue to receive calls. Today XX/XX/XXXX at XXXX I received a call, the caller disconnected. I called the phone # back and made contact with female rep who did not provide name-advised I was requesting company info as Im still receiving calls and will be exercising my rights under FDCPA laws- the female asked was the phone # I called in from the number they called. At this point that information is irrelevant Ive spoke with someone on more than one occasion and Im still getting calls. The female rep hung up on me. I called again and spoke with XXXX who first wanted to verify my identity before providing company information, due to me declining to verify information XXXX declined to provide any information. At this time your company has displayed a clear issue with harassment based off the excessive calls prior to contact and based off the repeated calls to my cell phone after I told to cease communication, Im working and this is my cell. Im requesting compensation under the FDCPA Act section 806 for harassment and abuse for each phone call after contact was made and advised to cease calling in the about of {$1000.00} per call and under section 805 communication in connection with debt

Company response to consumer: Closed with explanation