BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I paid speedy cash on time then something went hair wire ... they are taking large amounts from my bank. 
When I speak to the office in XXXX TN. the girl today said it 's not them taking it out. It has their name beside the amount on my bank account. 
They have been doing this for 3 months now. My account stays overdrawn and this is why. Help is this deceptive business practice???? They have taken out XXXX for two months and does not reflect that on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Earlier this year a initially unknown collections company contacted me in an effort to collect on an unspecified debt. They would not prefer further information without providing my SSN. This sounded very much like a scam even after I asked them for further information about the nature of the debt. I refused to provide my SSN and they never offered to send any sort of official documentation outlining the debt. 

They kept harassing me via voicemails and eventually identified themselves as Wakefield associates collection company. They still refused to provide me any further information or proof of this being an official representative of the company, so I continued to rebuff their request for my personal information. 

I have always been responsible and paid my bills accordingly, so I had no idea what this debt could be. My husband and I are in the process of trying to purchase a house and are in the final stages of closing. I was then made aware in early XXXX that my credit score had been affected negatively by a collections agency. In an effort to remove the negative impact on our credit, we paid the collections company immediately. This uncollected bill turned out to be something from my son 's birth last year that we never received. We moved states around XXXX last year and never received any notice from the hospital. I will likely file a separate complaint about XXXX medical billing. 

This has been very frustrating as I feel that we have been taken advantage of and were not provided any documents ( as is required by law ) to verify this debt. Had we been officially made aware of this situation sooner we would have paid the debt in earnest. The fact that a collections for a medical bill less than {$100.00} could jeopardize our prospects of owning a home has been extremely troubling. I have attached the online paid receipt of the collections bill as this is the only shred of paperwork that we have from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Federal Pacific Credit Company, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I obtained my credit report and discovered multiple errors with accounts from  Federal Pacific Credit Company stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provid e any documentation to me. Neither did  XXXX ,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00}

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 2022-06-05
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I havent received a response within 30 days, and yall are required by law to do so. Please investigate my disputes, please Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent request for information, about payment reversal, without three day notice, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have had existing problems with TransUnion in regards to the federal laws and statutes of the Fair Credit reporting Acts, and the FACTA known as Fair Accurate Credit Transactions Acts. I have went through my credit report and i have pulled it and made notations with the laws of the federal statutes regarding consumer credit practices including the XXXX XXXX Codes that covers all transactions practices of which i noted. 

The Subscribers that report to the federal government and the credit bureau known as TransUnion has violated in violations against the consumer financial protection bureau including the XXXX. known as the XXXX XXXX XXXX which governs the laws of contracts, money, credit, in procedures, practices, of the original creditor, promissory notes, transactions including XXXX debt discharge under the IRS. 

The debts have been written off and discharged by XXXX by accounts payable known as charge off against my self and reported to the credit bureau. The IRS credited the business subscriber that has reporting services to Transunion. The XXXX Debt Discharge covered the business loss by charge off that reports to Transunion. The account was sold as a debt by which debt collector purchased the debt in order to make money which is known as third party not the original creditor which re-aged accounts by false communications which is illegal under the fair debt collections practices acts The original debt can not be assumed by third party by which they falsely assume the original creditor position by deceptions. Third party deceptions is against federal and state laws which is punishable under the cfpb..

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 2021-01-06
Company: EQUIFAX, INC.
State: CA
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:
Back in XXXX of 2020 I file my first dispute with all 3 credit bureaus. 
I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: AL
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 The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX Bank XXXX {$970.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX # 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 under any open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
US Bank committed a possible UDAAP violation with their bill pay system. I utilized their bill pay system which stated that my rent check would arrive at my property management office on the XXXX. It was not disclosed that, although a paper check would be mailed, that it may not make it by that date. Thus I had no problem using the service and expected my check to arrive on time. However, the check did not make it on the stated date. I have now incurred a late fee and threat of eviction due to this. I called their bill pay department and explained the situation and requested reimbursement for the late fee. The agent handling the call stated that US Bank would not reimburse me for the late fee because they could not control the mail. I pointed out that the website had no such disclosure or I would have used another method or arraigned for the payment to arrive earlier. I further explained that I have used the method in the past and have had no issues with it. I put my trust in the method and now I can not trust the method. The agent still ignored my statements and argued that it was not a UDAAP, I was free to research the laws on the matter, and US Bank would not reimburse me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 The Creditor : XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : 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 : 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 2022-06-05
Company: Experian Information Solutions Inc.
State: MI
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 Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 : 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 2015-06-26
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have sent numerous letters, police reports and made number phone calls into in regards to the fraudulent U.S. Bank checking and savings accounts ending in : XXXX, XXXX and XXXX. These checking and savings accounts are fraudulent accounts that was opened by someone else who stole my personal information and identity. At the time these accounts was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation that I was incarcerated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: U.S. BANCORP
State: AZ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I applied for a card through Desert Schools XXXX. They then transferred me to the third party ( Elan Financial Services ) at this time I kept getting an automated response that my card was to be shipped to me. This would not be a problem however I did not agree to any terms of this card at the time. I do not know what limit I am getting or what the terms are to it. The people at ( Elan Financial Services ) keep telling me I will not know the limit or the terms until I have received my card. This presents a problem because I would not want to open the card if the terms and limit were not acceptable to me prior to getting the card. Now when I get the card my credit will be hit showing that I have opened a card and closed it within days. This is predatory lending so that someone can make a commission by pushing a card without first getting the limit and terms accepted by the the consumer approved. This will adversely affect credit scores and thus access to future credit.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: IL
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:
EXPERIAN has broking the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN violated 15 usc 1681e ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. EXPERIAN violated my consumer right to privacy pursuant to 15 usc 1681b2 EXPRIAN has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX XXXX  LATE PAYMENT ) and XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payments removed immediately. And don't act like you don't no my information because you have all you need.

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 2017-04-25
Company: IMC Capital, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX   XXXX   XXXX     - I received an unsolicited credit card in the name of my company from   XXXX   XXXX   with a credit limit of {$150000.00}. In addition, no credit terms were included with the card, which violate s TILA.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX reporting as inquiries on my report. In accordance with the Fair Credit Reporting Act, A. XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, date of last payment, no. of months inaccurate and also high credit and credit limit are inaccurate. This grounds for removal. 

These Accounts include : XXXX Bank Account # XXXX XX/XX/XXXXAccount # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX and Transunion where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.

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