BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2022-12-20
Company: EQUIFAX, INC.
State: OR
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:
TRUN DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over 18 complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX XXXX XXXX  refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX XXXX, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American disability act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a XXXX XXXX  XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-20
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
wells fargo bank teller refused to disperse an inperson nwithdrawal on XX/XX/23 stating they did not have enough cash on hand. this was after questioning me about what i am withdrawing for and spending the money on inappropriately. she had originally denied to meet with me about my account saying she didnt have time. she told the next closest bank was sending cstomers to their branch that day because they were out of cash. i went to a dofferent branch and explained this, requesting the teller be discreet, which she was not. she verbally announced my transaction amount repeatedly in front of a long line, being the only teller working in the bank, and requested information such as my occupation. i have had this account open for a long time and it was totally violating. on or around XX/XX/23, my checking debit card was used without my consent for a wire transfer making my funds unavailable for over a week. i obtained a new card, but the teller questioned me inappropriately today at thebank about how this happened, if i have XXXX set up, etc. I called wells fargo because ther site does not have details aboit filing a complaint and the banker kept me on hold for another agent, utimately refusing to provide a method to file a complaint.

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 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
my navy Federal checking account has been closed I'd like to open it again and take care of all matters regarding reopening account. If that isn't possible, I would like to reserve my rights to all security interest and have such funds to reflect in memory of my XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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 am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or remove this from my file. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this deleted immediately. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate deletion of this item is necessary. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this updated now. 

DEPT OF EDUCATIONXXXX XXXX Balance : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, delete the account from my report. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} - An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately. Otherwise, remove this account immediately. 

XXXX XXXX XXXX Balance : {$3700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, delete or remove ASAP. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} - Please review your records regarding this account, as we have established your bureau 's propensity for reporting inaccuracies, and validate this item immediately. Remove if unable to validate. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 

I would appreciate it when you have finished your investigation to receive a detailed report on each of the items I requested investigation for.

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 2020-08-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC BANK. Will not permit the site XXXX to access personal accounts therefore making the service unusable. They have blocked access this should be illegal as it is my choice to use XXXX to build funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I overpaid my Chase Credit Card accidently, and called for credit balance refund on XX/XX/XXXX. I was told to watch my email for an approval and it would take 4 days. I asked to have the balance simply transferred to my Chase Bank Account. I called XX/XX/XXXX because I never got the email. I was told it was not processed on the XXXX, and I should watch my email for an approval message I should approve. On the XXXX I called again and the account representative said the credit was never processed, but they would send an approval within 4 days ( again, same story ) or they will just send me a paper check within 10 days. I called on XX/XX/XXXX to ask where is my money. I was told a refund was processed on XX/XX/XXXX and I will get the check on XXXX. This is 30 days after I made the initial request and has put a burden on me. 

The credit card statement says the money was refunded on XX/XX/XXXX but I continued to get the run around from account representatives on my refund. 

At present I do not have my refund. I feel Chase representatives have consistantly lied to me about the refund. I request CFPB help with the overpayment refund. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 a account without my written instructions. 

XXXX XXXX XXXX XXXX of {$1100.00}

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 2019-08-26
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage serviced by Homepoint Financial. Every year they ask for proof of insurance even though they get a copy of it from XXXX XXXX. They are slow and inefficient and every year the harassment from them is a royal pain. Eventually they get the proof and then the issue is dropped for another 12 months. To be clear the property has never been without insurance from my XXXX XXXX, it has never lapsed. This year there was an added twist, they did not like how the insurance was titled, same title that the property has had since the loan was closed. It took me four months to get that resolved -- while that was going on, they placed forced insurance in place and an insurance escrow with a catch-up fee. I was able to get the forced coverage waived but with the new escrow and " catch up '' payment the monthly payment went from {$290.00} to over {$800.00}. When I called the first time the person, I spoke with said the payment should be adjusted to {$290.00} soon and not to make the payment and the late fee would be waived. Now it is the XXXX, the catch-up payment was finally eliminated but the escrow has not and now they want to charge the late fee. I still should not have to pay an escrow since the payment to XXXX XXXX has been made so now I have to come out of pocket for an insurance payment ( that is double what my insurance costs currently ). To date and after three more calls and one e-mail to them they still have not made the adjustment to get my payment to {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: MS
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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