BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
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:
Fradulent Inquires on 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 explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These accounts are not mine, they have incorrect information and greatly affect 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing about a XXXX  credit card account that was opened without my knowledge. Someone used my SSN to open this account and I have complained to XXXX and XXXX, TRANSUNION multiple times to delete this account from my credit report because I did not open it but till today nothing has been done The XXXX credit card was opened XX/XX/2018 and has a balance of XXXX BANK NAME : ACCOUNT NUMBER XXXX BANK : 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 2022-06-16
Company: Experian Information Solutions Inc.
State: MD
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 remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$54.00}

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A 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 2022-12-29
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH MORTAGE IS MY SERVICE LOAN I HAVE try to talk to them they never pick up the phone the line sare always busy i been trying to talk to them about XXXX i GAVE APPLY FOR THE GOVERMENT PROGRAM TO COVER THE XXXX PAYMENT I AM BEHIND THEY HAVE ON PURPOSE DELAY THE PROCESS OF RECEIVING THE MONEY FROM XXXX I HAVE spoken with the legal department from XXXX in XXXX and they have confirmed they send the XXXX to phh mortgage they have refuse to accept the money becase they want me to get forclosure on my house, they have denied XXXX modification i applied on 2022 and they have denied forbearence plans they have refuse to work with me the investor wants to accelerate the forclosure process and they have declined to reveice the funds from teh goverment program I got approved, on XX/XX/2022. I need help please this is a predatory lender that want to forclosure on my house and have my XXXX children in the street. they have made several error in the taxes they owne money from a error payment from the XXXX XXXX treasurer, but most importantly they been rude and deniind to call me back wih update status they keep saying they have not receive tghe money wheh XXXX have sent the monjey to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted the furnishers & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Update the account 's information : 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 2022-06-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian credit bureau refuses to acknowledge the FAIR REPORTING CREDIT ACT which is a law they refuse to investigate correctly, they are allowing XXXX XXXX  to report information on my credit report that is well over 10years old, FAIR REPORTING ACT says you can not attach report information on a consumer credit report that is over 7 years old, despite the fact that I have sent them documentation that proves this, they are allowing this collection company to FRAUDULENTLY report this as if it is a new debt when actually it is way past the statue of LIMITATIONS, this is causing a negative effect on my credit score and ability to obtain credit

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 2023-01-27
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
CASH APP is the problem! 

My niece stole from me. She used my phone, had access to everything in my apartment while I was working. She tried to cash app herself some money as if I wouldn't notice! 
She ended up sending money to a cashapp she no longer used and then tried fixing it. 

I receive notification from XXXX when money is debited from my account and I check my account daily. Cash APP had {$100.00} of my money. 
I checked cash app and being that my niece was in my apartment it was her cash app, I had the theft near me. 
After confronting her she gave unacceptable excuses and then said, tried to fix the problem by contacting Cashapp since she sent money to the wrong cashapp. 
So basically, she tried to fix the problem to steal and have it directed to her open account. 
I then contacted cash app to let it be known the transaction was fraudulent. 

Yes she had access to my purse and phone. 
I made that clear. 
It was still fraudulent. 

On XX/XX/2023, Cash app sent me a message stating the transaction was CANCELED and the refund will show up in XXXX business days. 
It will be Credited or Voided and fall off. 

I sent that message to XXXX XXXX XXXX XXXX. 
On XX/XX/2023, I had to file a dispute against Cash App for not honoring their statement. 

The transaction posted. 

I am now waiting for assistance from the XXXX XXXX of my credit union since Cash App has now stolen my money. 

It was XXXX stolen by my niece, I was told it was canceled and now since it's posted, Cash App is trying to keep my money anyway. 

I have changed my Debit card, XXXX is now assisting me and Cash App is no help at all. You would think they would honor what they said. 
This has made me place a review on XXXX XXXX since they can't be trusted. 

I feel like my money has been stolen twice! 

You would think that it is XXXX XXXX dollars. 

I can't understand why anyone especially Cash App would run off with {$100.00} of my money! 
I am offended and shocked that they not only stated they canceled the transaction but they also stated how I will receive it back. 

And now they are stating no cancellations. 

My money was stolen and I just want it back, that's all! 

I plan to fight this even in small claims court since it looks like I will have to go there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: LA
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 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 explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called, I emailed the CEO, I wrote goodwill letters and more. I respectfully requested a goodwill adjustment to remove the late payments ( XXXX, 2019 and XXXX, 2019 ) from my file with all three reporting agencies. I also told them it's illegal because of 15 U.S. Code 1666b - Timing of payments and 15 U.S.C. 6802 plus 15 U.S. Code 1681a, ( 2 ) Exclusions ( i ). They still haven't fixed 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 2021-05-07
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: MS
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:
STOP BREAKING FEDERAL LAW! The creditor XXXX  is furnishing FALSE credit information to a third party ( EQUIFAX ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency EQUIFAX is negligent in their duty to investigate this disputed information for XXXX opened XXXX XXXX for {$11000.00} Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title? 
Has insurance been filed for this account? 
Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance Disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the Gramm Leach Bliley and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. EQUIFAX is furnishing late payments on an extension of credit on behalf of XXXX. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including EQUIFAX in a RICO along with XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a job scam. I accepted the job and was told that I would start later that month and that I need to complete a written assessment. After I completed the assessment I was told that I would need to order office supplies, so they emailed me a check for {$4300.00} and told me to deposit it in my own account and to send them a receipt. My bank USAA accepted the check immediately and did not mark it as fraud. After depositing this check, the job scammers told me the following day they to wire nearly all funds to an account to pay for equipment. This was on XX/XX/2023. Then the following morning after I wired the money, they send me another check to deposit and said that the money sent previously was not enough for all my office equipment. I told them I cant deposit and send another check because I have a daily limit. I cut off all contact with XXXX XXXX after that and informed my bank. My bank did not help me until I called a third time and asked them to stop the check and the wire transfer. They stopped the check but blamed me for the job scam and refuse to assist me further. I was told my bank account was locked every time and under investigation since I reported the scam. USAA let me know that the wire transfer was stopped and that the check was stopped. I was told it would take XXXX calendar days, then up to XXXX business days before my account would be unlocked. I called USAA XXXX times a week for XXXX weeks until I was transferred to the fraud department who told me that my account was not locked, and that they did not stop the wire transfer because they believed it was my fault for being scammed and that I had to pay the $ XXXX due to the check being fraudulent. They did not say they knew it was fraudulent. I reported it as fraud which is why they stopped the check. They refuse to help me any further so I had to file a police report and contact the bank where the wire transfer was sent to by myself .l. After weeks of getting the run around and heading that everything was being investigated, I was rudely told by the fraud department that this was all my fault and that I needed to pay up. They also made it a point to bring up the fact that I previously disputed a charge from an app ca. Instead of helping me in a difficult time where I had to find someway to pay my rent since I was made to believe my account was locked and that they were helping me resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation