BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
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 XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 transunion 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 120 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more 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 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
IN XX/XX/2022, I PURCHASED ON LINE A GRILL. ( XX/XX/2022 ). I RECIEVED THE WRONG GRILL, IT WAS NATURAL GAS. AMOUNT FOR THIS GRILL WAS {$380.00}. IT WAS RETURENED VIA XXXX  ON OR ABOUT XX/XX/2022 ALONG WITH OTHER ITEMS THAT WHERE PURCHASED WITH SAID GRILL. ( GRILL COVER $ XXXXGRILL DRIP PANS {$10.00} ) THE CHARGE FOR THIS GRILL {$390.00} HAS BEEN CREDITED BACK TO MY ACCOUNT ON XX/XX/2022. I MADE A PURCHASE OF A PROPANE GRILL ON XX/XX/2022. I WAS " CHARGED '' TWICE FOR THIS GRILL. I RECIEVED ONE ( 1 ) PROPANE GRILL {$390.00}. IT WAS RECIEVED WITH THE BOX DAMAGED AND RIPPED. I NEVER OPENED IT AND ASKED FOR XXXX  TO COME PICK IT UP WITH THEY DID. I RECIEVED A CREDIT FOR THE GRILL IN THE AMOUNT OF {$390.00} ON XX/XX/2022. IT HAVE NOT BEEN CREDITED FOR THE DUPLICATED PROPANE GRILL. WHEN I SPOKE TO HOME DEPOT I WAS TOLD IT WAS A DULICATED ORDER AND ONE ( 1 ) PROPANE GRILL WAS SHIPPED AND THE OTHER WAS CANCELLED. HOWEVER, I AM STILL TO THIS DAY BEING BILLED FOR A GRILL THAT WAS CANCELLED AND NEVER RECIEVED. I HAVE SEND NUMEROUS LETTERS BOTH VIA CERTIFIED MAIL AND REGULAR MAIL AS WELL AS, MAKING NUMEROUS TELEPHONE CALLS. IN ADDITION TO BEING BILLED IN CORRECTLY I AM ALSO BEING CHARGED FOR INTEREST. NOW THAT I HAVE NOT BEEN USING MY CREDIT CARD AND THE ONLY BALANCE SHOWEN IS MY DISPUTE CHARGE, I REFUSE TO PAY ANYTHING. I WILL FURTHER FOLLOW UP BECAUSE I DO NOT KNOW IF I WILL BE CHARGED ANY LATE FEES OR ADDITIONAL FINANCE CHARGES.

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 2023-10-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 do not recognize nor authorize this " XXXX XXXX XXXX " account # XXXX I am a victim of identity theft. also some hard inquiries I do not recognize nor authorize without my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
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:
Im submitting 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 COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX  XXXX XXXX XXXX XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: IL
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:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Payfare International Inc.
State: MI
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:
Someone use my debit card for a purchase of XXXX with XXXX and the company is not complying with the card company XXXX XXXX payfair this has been going on since XX/XX/2022 and all I get is lies told to me and not a refund.. Now I'm currently XXXX and lost my job and car. Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive recently reviewed my credit reports and notice in accurate information and accurate name, variations as well as in accurate phone numbers and addresses which I believe led to an accurate credit reporting across-the-board XX/XX/2022. I was a victim of identity theft when someone removed money from my electronic benefit, transfer card From the ATM without even having my card, the car was in my possession the whole time and this was done proximately XXXX miles away from my location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX I signed up for the XXXX Forbearance plan. My wife had to stay at home to take care of our kids since there were limited spaces in daycares. As an XXXX XXXX member of the XXXX XXXX XXXX, I wasn't receiving enough housing allowance to pay the mortgage payments myself. So that is why I applied for the forbearance hoping that Flagstar will uphold their end and just put what I owed to the end of my VA Loan when I can start making payments again. In XX/XX/XXXX, the XXXX raised the housing allowance for XXXX XXXX members in our area. So I was able to resume making mortgage payments again. But since I was already in the 3 month forbearance plan at the time I couldn't submit my loss mitigation application until after. When I submitted the loss mitigation application in XX/XX/XXXX, I was denied all loss mitigation options. It did not even mention loan modification like it was advertised. I tried to continue making mortgage payments by phone because they took away the option to pay online. But I couldn't do that either because I needed to either submit a loss mitigation application ( which I did ) or I need to pay the lump sum ( which I can't ).

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 2019-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern : I was looking at XXXX XXXX online and wanting to buy a song. Next thing I know I am getting a monthly charge to my bank account via my bank debit/credit card going back to 2018. I disputed this first round of charges with XXXX and after several lengthy phone calls with my Chase bank and XXXX they canceled the recurring charge and credit back f the monies. So I thought the issue resolved and the recurring charge was handled. 

Then I was reviewing my bank statement this month and discovered they have restarted the recurring charge. The only reason I didn't catch the charges is that I have multiple online subscriptions the auto debit my account like XXXX ... of whom are authorized ... and who are for the exact same amount {$9.00}. However, this time I did not even go to the XXXX website nor access their music services or library. I explained this to the XXXX representative that It could be ascertained by XXXX that I had not and have not been to their website nor had I used their XXXX services at anytime!!! 

In short, at NO TIME did I ever authorize, sign-up or otherwise even visit the XXXX website. I contacted XXXX this month ( XXXX ), a second time, and the agent I spoke to said she could credit back two months services and cancel the account. I asked to speak with someone with more authority, as I wanted all the fees they charged me refunded, and the XXXX representative said that was all she could do. 

In summation, I am requesting a full refunds of all the monies charged to my bank account. In addition I want to lodge an official complaint that I believe that the way this service was added and then billed to my account was done deceptively and as a predatory practice. I think they intentionally get you to click on something to agree to them billing you each month and you have no idea you signed up for anything. Then when you find out they are billing you and you want to dispute it they make the process difficult and time consuming so that when the agree to cancel the account and only refund some or none of your monies you reluctantly agree as you have no real recourse except, Thank XXXX!, that we have the CFPB!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
COMPANIES HAS NOT BEEN UPHOLDING CONSUMER LAW AND ABIDING BY LAW IN ATTACHMENTS ARE DISPUT LETTERS WHICH WERE SENT CERTIFIED TO THE CREDIT BUREAUS WENT UNANSWERED THEIR BREAKING THE RULES AND GETTING AWAY WITH IT.

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 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I submitted my application for a credit card on XX/XX/XXXX and heard nothing from Bank of America. I called on XX/XX/XXXX and they advised that my application was held for review because they needed to confirm my identity to prevent fraud. I confirmed my identity and then sent me to credit. They advised that they would approve and issue a credit card, but then I never received anything. I called again on XX/XX/XXXX but they had not approved. In addition, they advised that they couldn't now decision because my credit was pulled over 30 days ago. I unfroze my credit and called back on XX/XX/XXXX to advise that my credit was unfrozen. I spoke with an analyst and they advised they pulled my credit and once again sent me to confirm my identity to prevent fraud. A few weeks past and again I heard nothing. I called back on XX/XX/XXXX and confirmed my identity yet again and was sent to the credit department AGAIN... only to learn that I was not approved. They requested that they do a hard inquiry AGAIN on my credit to review the application. At this point, after calling in 4x and given the run-around, I no longer trust their customer service AT ALL. I was appalled that this is how they would treat a long time customer at the only bank I have ever banked with. I am a Preferred Customer with a superior credit score and they couldn't approve my application in over 2 months. I am now debating on leaving BofA for XXXX. I will suggest to all of my colleagues in the financial services industry that I work in to utilize any credit card BUT the BofA credit card due to their horrendous customer service.

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 2019-01-30
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX  in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they continue to report it as new debt. 

I am more than willing to pay with proper documentation and with fixing the proper dates. Im imvestigating on-line, they are well know for reaging collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AD Astra Recovery Services. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was still there not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
Im submitting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX LLC ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; XXXX  XXXX  XX/XX/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 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 XXXXXX/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 an 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 non-monetary relief