BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-13
Company: Experian Information Solutions 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 have accounts on my credit file inwhich i did not authorize nor do i have any knowledge of. I'm demanding that these unauthorized accounts be removed immediately. Please remove these misplaced accounts from my credit profile. 

# 1. XXXX XXXX XXXX XXXX XXXX {$4500.00} # 2. XXXXl XXXX XXXX  XXXX XXXX {$4600.00} # 3.. XXXX XXXX XXXX  # 4.. XXXX XXXX XXXX # 5.. XXXX XXXX XXXX Acct

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 2021-05-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple hard inquiries on my report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple hard inquiries on my report that I did not authorize

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LoanDepot has overcharged me for PMI and mortgage interest following full payment of my mortgage on XX/XX/XXXX. 

Full payment on my mortgage was wired to LoanDepot on the morning of XX/XX/XXXX. LoanDepot has told me that it takes days to " process '' the payment and they have decided to charge me for PMI and interest following full payment. LoanDepot has to this date provided no documentation showing that the wire for payment was not received on XX/XX/XXXX. 

According to my escrow account transaction history, I paid LoanDepot PMI of {$150.00} on XX/XX/XXXX. On XXXX, after my mortgage was paid in full, {$300.00} was deducted from my escrow account for PMI. Yet I had paid PMI just two weeks prior. On my closing disclosure from the sale, I also paid {$450.00} in PMI. It is my understanding that this PMI amount was conveyed to my escrow company by LoanDepot. 

Additionally, my closing disclosure lists {$230.00} paid to LoanDepot for interest for XXXX. Because my loan was paid off on XX/XX/XXXX, I am due a refund of all interest charged on or after XX/XX/XXXX. 

I have tried several times to speak with LoanDepot regarding this matter. On XXXX, I wrote LoanDepot a secure message via the loan servicing website to request a refund. I have yet to receive a response to that message. I then sent two follow up emails referencing my message on the loan servicing secure message portal. 

I then wrote to XXXX XXXX XXXX to request assistance. XXXX informed me on XX/XX/XXXX that she understands that I filed a CFPB complaint against LoanDepot and that she would not be able to respond to my concerns until LoanDepot 's Regulatory Team reviewed and responded to my complaint. XXXX is a Senior Escalation Resolution Specialist, and she told me that because I initially inquired about the PMI and interest overcharges via the secure message portal, she could not assist me. This response from a Senior Escalation Resolution Specialist appears retaliatory in response to my CFPB complaint made on XXXX regarding LoanDepot 's wrongful withdrawal of my monthly payment after my loan was fully paid. 

On Thursday, XX/XX/XXXX I received a call responding to one of the two follow up emails. The agent I spoke with told me that I had already been refunded ~ {$4200.00} for my issue. This was false. The XXXX refund was for a wrongful autopay payment by LoanDepot following full payment on my mortgage. Once I explained this, the agent told me she could not help me because I initially wrote my message through the secure message portal. 

I had now been over seven days since I sent my original message regarding PMI and interest overpayment. LoanDepot 's multiple deflections and refusal to respond to my original inquiry is an unfair, deceptive, and abusive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
On XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX XXXX i sent experian a dispute letter stating i found several discrepancies on my credit report. i stated in the letter to fully validate the information in the letter and if they could not validate the information to remove anything they cant provide signed. experian is required to delete items if not verified according to FCRA XXXX provisions. On XXXX XXXX they asked me to upload documents online to verify my identity. I uploaded the information and still nothing validated or deleted. On XXXX XXXX, i sent a second round of dispute letter asking for full validation of accounts on my credit report. Experian is violating the 15 U.S.C 1681G law violation.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XXXX i sent XXXX a notice for closed account ending XXXX to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.

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 2019-01-29
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I closed a CD on XXXX XXXX, 2018. I never received the money from Ally Bank. Repeated calls, completion of lost check form has not made a difference. 

I have been lied to several times. On three occasions I was told the check had been overnighted. Most recently I was told the money would be returned to my account and reissued. 

Ally Bank owes me {$200000.00}. No one at the bank has taken responsibility. 

My case number with Ally Bank isXXXX

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 monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2023-02-23
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 am a victim of identity theft and have made several attempts to have this information removed with no results. Please remove the fraudulent items from my credit report or I will pursue further legal action. 

I have detailed the accounts and my requested in the attached documents. Please review. 

I have attached Blocking request including the accounts that are fraudulent FTC ID theft report Proof of address

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 2020-11-03
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
SunWest, a.k.a. XXXX, has made repetitive, unnecessary demands that I confirm my request for paper documents over the past twenty-seven days thus unduly delaying the processing of my loan and the loan closing. Beginning on XX/XX/2020, I made written requests for paper copies of loan documents. The loan officer confirmed on XX/XX/2020 that he would mail paper documents to me and confirmed the address to which they would be mailed. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020, I repeated my clear written requests to the loan officer 's supervisor. On XX/XX/XXXX, the loan officer 's supervisor emailed me requesting another confirmation that I wanted to be provided with paper documents, stating that he was " very familiar with all the laws and rules from the CFPB and other authorities that regulate our industry. '' The repeated requirements for confirmation of my request for paper documents is beleaguering and dilatory and is unduly delaying the loan closing. I requested a closing date by email from the loan officer 's supervisor on XX/XX/2020 and he did not reply. Interest rates have recently begun rising, and my loan is locked in only through XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: NV
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 Act 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 2022-10-25
Company: SYNCHRONY FINANCIAL
State: DE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My wife had 5 IRA 'S in Synchrony Bank that she closed and opened a new one with all 5 ira 's for a higher rate. The interest rate offered at that time was 3.81 %. When they funded the new IRA they failed to add 1 IRA account and left out XXXX dollars out of another account. Therefore when I checked my wife 's account she was short over XXXX dollars. The bank did not contact me so I called and spent several hours on the phone getting the situation rectified. They should have picked up on the mistake and contacted me. This took 3 days to get it resolved. During that time the interest rate on a 5 year cd went up 20 basis points from 3.81 % to 4.01 %. Because the account was not fully funded I asked for the higher rate due to their mistake. Synchrony Bank refused. Because the account was not fully funded when the rate changed on Friday I feel I am entitled to the higher rate. Synchrony bank says you get the rate when the account is funded not partially funded. I am requesting the higher rate.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: NJ
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 submitted various disputes to the three bureaus XXXX, XXXX, and Experian. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX Bank, and XXXX for error and inaccuracy. 

XXXX XXXX : XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX {$3000.00} Closed- XX/XX/XXXX Experian : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : XXXX : Closed Account XXXX XXXX Closed Account Experian : Open Account XXXX XXXX : XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Experian : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.

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 2022-09-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I need you to attend the following shown items in this letter which contains data taken from my credit report which you have provided. 

XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXXXXXX Delete this unconfirmed inquiry lacking certifiable proof evidence, unless physically certified verified proof is demonstrated per U.S Code 15 U.S.C 1681 ET Seq. Section 604 of the fair Credit Reporting act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes

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 2020-12-15
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX Chime sent an email requesting an explanation for a direct deposit amount totaling XXXX. I replied and explained the deposit was from my 401k. I emailed the 401k distribution statement for verification. Later, my account was suspended. Chime stated they also need a copy of my paycheck stub from XXXX XXXX along with ID, SSN card, and a picture of myself holding my ID. I complied with hopes to resolve the issue. More than a week later Chime reaches back out and asks for a statement of my unemployment benefits, which I sent. 

Nearly a month after the initial email, I have no resolution date and I have sent every document along with an explanation. I lost my job due to the pandemic and XXXX XXXX has been paying me severance pay but I still qualify for unemployment. My problem is that Chime hasn't given me a date of the resolution or responded to my email request. I have over XXXX in that account that I can not access to feed my family or pay my bills.

Company response to consumer: Closed with explanation