BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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:
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 # XXXX ;. Account name : XXXX XXXX XXXX XXXX # XXXX ; Account name : XXXX 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 a account without my writing instructions.

15 U.S.C 1681 c. ( 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 record of conviction 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.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a fraudulent debt reporting into my credit profile

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 US 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have disputed these inaccurate items several times and have yet to receive any responses or documentation.

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 2022-07-11
Company: Betterment LLC
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My payroll deposit was credited to my account late on Friday, XX/XX/XXXX. I had some ACH debits that were scheduled to hit my account the same day my payroll was set to deposit, but because the payroll was credited late that morning, all of my ACH debits had been set to be returned as unpaid. I spoke with a representative, I believe her name was Dot, and she advised me that the transactions had already been returned, that no one at Betterment could fix them, and that I needed to re-initiate those transactions if I still wanted them paid. 

I did as Betterment advised me to, and I re-initiated the transactions. The following business day, Monday, XX/XX/XXXX, the transactions attempted to clear my account again. Although I had sufficient funds to cover the transactions, Betterment marked them all to be returned a second time. I sent Betterment a support message as soon as they notified me that they were returning my transactions again. 

After several hours, I was not contacted back yet, and so I called, and spoke to the same representative again, Dot, and she was confused as well, as to what was going on. After almost an hour on the phone, Dot said she would " escalate '' my account and that someone would contact me back. 

After waiting nearly all day, no one had contacted me, so I called again and spoke to XXXX. XXXX was helping me communicate with a manager, as he explained I was not allowed to speak directly to anyone in management. During my phone call with XXXX, he ended the phone call abruptly, with no explanation. 

I called back again and spoke to another representative. She explained to me that the account was too confusing for them and that I had to wait until everything settled, so they could figure it out, and that I'd just have to wait for someone in their back office to review my account, as apparently no one had looked at it yet. I told all the reps that returning my transactions was causing me fees and charges, and I only did what they told me to do on Friday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to on to my account after a very long time of no activity due to being under a drs care for XXXX, it was then I saw my account had been closed because someone cashed a bad check with my account. I wrote to Pen Fed disclosing this information and asking them to fix this and instead of doing so they went and sold the debt to a debt collector. This error happened over a year ago this bank purposely sold the debt to cover their XXXX and not protect the customer.

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 2022-07-11
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. An identity thief used my personal information without my permission to open an account and make purchases with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Those debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 sent out multiple letters to the credit reporting agency ( Transunion ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX XXXX XXXX who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and SOCIAL confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.

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 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
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:
On XXXX XXXX, I unlocked my credit file on XXXX to complete a credit card application with creditor Navy Federal Credit Union for my business account. I received an alert from XXXX on XXXX XXXX that I received a hard inquiry by Navy Federal Credit Union. However the Creditor ( Navy Federal Credit Union ) is saying that no one in their lending office saw the report. The creditor tried to attempt an additional unauthorized credit pull, and denied me indicating my credit report was locked. However, the report was open and unlocked until I received the alerted and check my credit report and saw a new Hard Inquiry from Navy Federal. In efforts to keep myself safe, locking and unlocking my credit file is important. There was no information listed on either XXXX or Navy Federal Credit Union on the time frame, policy and underwriting information on the problem I described above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Southwest Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been put into collection by Southwest Recovery XXXX on XX/XX/2022 in the amount of XXXX for a piece of equipment a ( credit card terminal ) from a small bussiness that was sent back from a merchant represenitive from the credit card proccessing company called XXXX. The card proccesor was deliverd but they could not find in warehouse due to lack of employees. This during covid. This is not my fault that could not find it or someone else misplaced it. They have fraudently tried going into ky Business  bank account to try to withdraw money from me and my XXXX. These companies are crooks on small businesses. I have a perfect credit score and i dont need this on my report. Please help. Its on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
Due to the EQUIFAX data breach, I was informed and have verified my info was used fraudulantly. I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX is a business building and XXXX XXXX XXXX XXXX XXXXXXXX XXXX is a XXXX XXXX according to XXXX XXXX. I was told by XXXX they don't do investigations and wouldn't help. 15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. I believe my rights have been violated. I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. I have enclosed my original FTC ID Theft Affidavit along with my EQUIFAX settlemnt Claim # for proof. 

XXXX XXXX Opened XX/XX/2017 {$8900.00} was reported to XXXX and XXXX. 
XXXX and XXXX have deleted the accounts already. 
XXXX  xxxxxxxxxxxx XXXX Opened XXXX {$8900.00} was reported to Equifax how can it be accurate when clearly it's XXXX different information. 

Remove this account and stop viloating my rights by inputting erroneous info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've uploaded my court documents several times in regards to a fraudulent bankruptcy that appears on my credit reports with XXXX/experian/and XXXX that clearly explains the filing that appears was a result of identity theft and has been flagged by the federal court judge as such as of XX/XX/19. But they repeatedly refuse to remove/add a personal statement flagging the item as identity theft.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-05-18
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 am a natural person, I am a living human being and I have rights under 15 USC 1681. 

Transuion is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed/deleted. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 


Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXX XXXX XXXX | Account Number # XXXX ..... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXX XXXX | Account Number # XXXX... 
Account Name : XXXXXXXX XXXX | Account Number # 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 2022-07-11
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-14
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 fraud alerts or security freezes

Complaint:
Received a letter in the mail from XXXX XXXX  stating the account I opened was over drawn extremely and I never opened an account with their bank. I reported this issue to them who referred me to this website.

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 2023-02-08
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: Investigation took more than 30 days

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

Company Information Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S. Code 15 U.S.C 1681 ET SEQ . Section 04 of Fair Credit Reporting Act Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above.

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 2023-01-25
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My chime bank has closed my bank account after i made a claim on my account because my account was frauded XXXX dollars so they made the claim and two days later which is today i received a email saying they closed my account today not telling me anything about my money or nothin & i told them my tax refund check was going into that account and they still closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicing was transferred including escrow XX/XX/XXXX. All tax and insurance including Flood information was included. Flood Ins was due XX/XX/XXXX. The bill was sent to the original servicer because the servicing transfer was not processed correctly. Neither the original servicer or the current servicer notified the Flood Insurance company of the change. Both are at fault and are violating the servicing transfer regulations. I have attached a copy of the pending bill that shows the original servicer still being listed that was provided to me yesterday by the Insurance Company. Last week I received a letter from my current servicer threatening to force place insurance if I did not " quickly '' provide evidence of insurance. I understand that my current servicer did not receive the bill and that my previous servicer should have forwarded it. I also know that the money to pay the bill is in my escrow account. My complaint is that I have contacted my current servicer, I was able to speak to an individual who sent me to the wrong department and then I was sent to another wrong department and they directed me to file a " Help ticket ''. I tried to " Chat '' that doesn't work well either. The press this number automated system is not built for a situation like this and I spent over 2 hours calling different numbers to help them resolve what is their problem. I have attached the response I received from the " File a ticket '' that I was directed to and that comes up when you select " File a Complaint '' on the website. The response says that they can take up to 7 days. I didn't get 7 days in the demand letter they sent to me. Meanwhile, I have no Flood Insurance coverage and according to the demand letter they will take something like {$2200.00} from my escrow account for the force placed insurance while my current policy is {$620.00}. I believe they will respond to you much faster and probably provide you with a contact. I only get a contact if I want a new loan. Appreciate your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top three credit reporting agencies. I have not received a response as of yet.

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