BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.

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 2021-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 I received a notification in my email that I added a recipient for XXXX that I did not add. Then there was a transfer out of my account for {$250.00} to this person ( XXXX XXXX ) I called USAA immediately and said I did not complete or authorize this transaction, the representative found another unauthorized transaction approx. 7 days prior that I received no notice of. It was another XXXX  account ( XXXX XXXX ) again for {$250.00}. I told USAA that I DID NOT AUTHORIZE NOR WAS I AWARE OF THIS. I never sent these payments and I have no idea who these people are. I asked what I could do to secure my account and I was told " change my username and password ''. Then, a few hours later, my husbands ( same account ) information was used- it was not his email that was used- and he was fraudulently registered on XXXX and within 2 minutes, money was sent to XXXX XXXX ( we don't know who this is and my husband has NEVER used XXXX  ). In fact, he was sitting next to me on the couch when USAA said this transaction was made!!! We did NOT authorize this and we have no idea how our accounts could have been hacked. I contacted USAA again and we submitted another fraud claim however we were told yesterday XX/XX/21 that our EFCM claim was denied! How is this possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX I deposited a XXXX check for XXXX and the ATM stated we are unable to process the check submitted. It kept the check and my debit card. After several attempts to get the machine to give me back both items failed, I went inside to customer service I attempted to explain but was met with unprofessionalism and rude personnel, which cause me to lose my composure and become irate after being advised the check could be a stolen. I've banked with Randolph Brooks Federal Credit Union for 10 years. I've never wrote a bad check over drafted my account maintain an average of XXXX. - XXXX in my account. They're response was shrugging and rolling their eyes. I demanded my entire account funds and was told to come back for the check funds. I Called customer services and again was told the only reason that could happen is if the check is fake. i called back this week XX/XX/27 and the check was deposited. IT WAS NOT STOLEN AS THEY ACCUSED ME OF!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-07
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2021-08-05
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address, and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did a dispute from my bank on XX/XX/XXXX for the amount of XXXX and its been past the 90 days and i havent heard anything back from them about it and i did another dispute last week for the amount of XXXX and still havent heard anything back from them. I didnt even received any provisional credit or no decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-05
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is in regard to a previous complaint # XXXX to Speedy Cash. I thought it was resolved where Speedy Cash accepted the complaint by CFpd as fraud and I was not responsible for the amount owed of {$1200.00}. However now this was reported on my XXXX  report after that report of XX/XX/2021. Speedy Cash/Curo XXXX XXXX, flagged your account as 150 days past due on XX/XX/2021. XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX, XXXX XXXX XXXX ( 150 days deliquent ) balance date XX/XX/2021, Balance {$1200.00} ... I hope this can be resolved and updated on my three credit reports..surprises keep showing up.. Thank you for your further assistance in the problem of fraud, opened by some unknown person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
chime is refusing to return my money after i reported that i wanted to cancel payment on a cell phone place that sold me malfunctioning phone and this place charged my other cards to and hacked my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting Act, XXXX  Account XXXX XXXX  XXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : 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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 received an alert through my XXXX credit monitoring account that a credit inquiry had been generated by XXXX XXXX XXXX  on XXXX XXXX, which I did not authorize. I called the bank in question, and the customer service rep reported that a request was made to issue a MasterCard in my name, with the correct home address, SSN, and mobile phone number. When I mentioned that I have an existing fraud alert on my credit accounts ( since XX/XX/XXXX ) after the IRS discovered that an alternate party filed federal income taxes for XXXX in my name, the customer service representative ( XXXX ), reported that she " would cancel the account before the card was mailed ''. This conversation with XXXX occurred XX/XX/XXXX. I am concerned, however, that a bank would issue a card to a potential customer with a fraud alert without first confirming that customer 's identity.

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 2022-12-31
Company: EQUIFAX, INC.
State: WV
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:
XX/XX/XXXX : Filed dispute through Equifax due to a credit card balance and credit limit being reported incorrectly. Equifax specifically states that a dispute will not lower your credit score. 
XX/XX/XXXX : Equifax notifies me that investigation of dispute is complete and report is available. Result of report is in my favor, lowering the credit card balance and increasing the credit limit. Both being positive credit actions. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX to XXXX with the reasons of " credit card limit increased by {$400.00} '', " credit card balance decreased by {$700.00} '', " payments made on time '', " account information changed ''. 
XX/XX/XXXX : Equifax decreases my credit score XXXX points from XXXX with no additional reasoning. This takes my credit rating from the " XXXX  '' down to the " XXXX  '' tier. 
XX/XX/XXXX : I call Equifax and inquire about my score being decreased a total of XXXX points immediately after a dispute being completed and the reasoning being the direct results of the completed dispute. The Equifax agent stated " Disputes will not lower or have a negative impact on your credit score. There must be another reason. '' I quoted the reasoning shown and agreed that it should not have had a negative impact. I also stated that it should have increased my score. I advised the agent that I am preparing to make a large purchase in XXXX of XXXX and that this unjust score decrease will cost me thousands of dollars in extra interest over the length of the loan. I advised the agent that this unjust score decrease will cause me financial loss and damages. I also informed the agent that this appears to be a direct and retaliatory action by Equifax in result of my dispute. Furthermore, I advised the agent that my scores with the other 2 credit bureaus have either remained the same or increased, supporting my suspicion that Equifax is taking retaliatory actions against me over my dispute. The Equifax agent filed a complaint including all of this information. I advised the agent I would be filing a complaint with the CFPB, and if Equifax did not restore my credit score and credit tier before I make my major purchase in XX/XX/XXXX that I will take legal action after incurring financial loss and damages that they were warned of and given ample opportunity to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount that they are trying to collect was not mine to pay they were suppose to charge my insurance and charged me when they had my insurance information. I called they have removed it but they are trying to make it stay for 90 days and that is not right because I do not owe them this money, my insurance had paid the money. They were never suppose to bill me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report moments ago and noticed for the first time that I had an unpaid collection listed. I never received any notices about this balance. 

The collection does not list an original creditor. It simply lists the name XXXX XXXX. The amount is {$720.00}. This is fishy and I do not know what to do. Has someone stolen my identity? Is there a way I can get more information about this collection without paying money? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: PA
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Navy federal, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. 

Account Number XXXX XXXX Navy Federal Credit Union Date of First Delinquency IS MISSING Creditor Classification IS MISSING Navy Federal also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. 
LATE PAYMENTS ARE INCORRECT because I don't have a DOFD to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am disputing a fraudulent transaction on my XX/XX/XXXX mortgage statement from PHH Mortgage Services. On the statement there is a fraudulent charge for {$3400.00} for " Expenses '' that must be reversed. 
The Loan Modification was negotiated and executed on XX/XX/XXXX with and effective date of XX/XX/XXXX. The Loan Modification contract governs. If PHH Mortgage neglected to capitalize their " expenses '' during the negotiations that is their mistake and THEIR responsibility, not mine. PHH Mortgage does not have standing and can not now 8 months after the fact fraudulently charge me {$3400.00}. 
I attempted to resolve this issue with PHH Mortgage with my letter sent to them on XX/XX/XXXX. In their response dated XX/XX/XXXX they clearly LIED and said the Loan was modified on XX/XX/XXXX. Lies and deception that all. 

The executed Loan Modification and it's payment schedule govern and this fraudulent expense charge MUST be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: CA
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 has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation