BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-26
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX and let them know I had unauthorized charges on my bank statement from cash app. On XX/XX/2023 I was told that my claim got denied because they don't refund for third party apps. I have tried going through cash app to file a claim and no luck. I have filed police reports and have been doing nothing but trying to get my money back from these unauthorized charges. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XXXX {$150.00} XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to modify my mortgage for over a year. Freedom mortgage was unwilling to assist me. I reached out to a third party, XXXX, and opened a case with them. For over a month we have been working to modify my mortgage. I started to receive notices from multiple attorney 's offices stating that my home was going to be foreclosed on. I reached out to XXXX for guidance and they stated that my home was up for sale on XX/XX/XXXX, and that Freedom Mortgage was reviewing my case and paperwork. A few weeks ago I started receiving mailings about a XX/XX/XXXX Auction with XXXX County Court. I reached out to XXXX again, they stated after speaking with Freedom Mortgage that they were still reviewing my case and the sale date was still XX/XX/XXXX. I still, at this point had no correspondence from Freedom Mortgage. I reached out to a Bankruptcy attorney to clarify my status and they confirmed the XX/XX/XXXX auction. Had I not filed Bankruptcy THIS AFTERNOON, I would have lost my home. The sale date that Freedom Mortgage was giving, was a week later than the actual sale. 
Freedom Mortgage Loan No. XXXX XXXX XXXX ID XXXX Case Manager XXXX XXXX ph.XXXX xXXXX

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 2022-11-07
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose kindly do it payment as agreed or payment on time.

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 2021-05-12
Company: Experian Information Solutions Inc.
State: CA
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:
1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about.

I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 explanation
Consumer complaint received 2023-09-26
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:
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 non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
{$2500.00} Open balance XXXX XXXX XXXX Original creditor In accordance with the Fair Credit Reporting Act, this creditor has violated my rights! 5 USC 1681 I HAVE A RIGHT TO PRIVACY.

Consumer reporting agency can not furnish an account without my my written instructions under use 15 1666b A creditor may not treat a credit account under an open ended consumer card for any purpose.

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 2021-05-12
Company: Lending Club Corp
State: AZ
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:
In late XX/XX/2021, after being released from hospitalization due to XXXX related health issues, I discovered that someone had stolen hundreds of dollars from my checking account via fraudulent charges from XXXX. While hospitalized, I did not have my computer or phone with me, and this is the first time I became aware of these charges, which span XXXX and XX/XX/2021. After filing a dispute with XXXX for every charge ( all disputes were denied, without reason given, and the appeal was also denied ), I filed a fraud affidavit with my bank, formerly XXXX XXXX and now, Lending Club. I called to file the complaint and included all fraudulent charges and included some key facts ; 1. During the period in which I incurred the charges, I was either very sick at home or hospitalized ; and 2. The only XXXX product I have is my XXXX which I did not possess at the time of these charges. In fact, in mid-XXXX XXXX, I sent the phone to my insurance carrier since a damaged battery needed to be fixed. I did not receive the phone back until I was back from the hospital in late XX/XX/2021. These charges were all made from XXXX Applications, and, again, besides the XXXX, I do not own any other XXXX products. I filed two fraud affidavits for the bank under penalty of perjury on XX/XX/2021. I also sent screenshots of each of the 193 fraudulent charges that were charged to my XXXX account. I was told that it would take the bank up to 90 days to complete an investigation, but there would be provisional funds in my account within 10 days. Yesterday, I realized that my bank balance was {$.00}, I had not paid my phone bill and was unsure how I would feed myself for the rest of the month or get medication ( I do have an SSDI status, of which I informed the bank and am on a strict fixed income. ) I sent an email to the bank, as it was after business hours, to which I received no response. Today, XX/XX/2021, I called the bank and asked for an update. I was told that my claims were ALL DENIED and a letter was sent dated XX/XX/2021. I never received such a letter. I'm also curious as to how all 193 claims were reviewed and discarded within 48 hours! I asked the customer service representative for a reason, and she stated none was given. Further, she could not find a copy of the letter that XXXX allegedly sent to me. I am beside myself. I have had identity theft issues for years now, many of which your agency has helped me with, and I am sick of going through this. If I did NOT have the phone in my possession, as I again attested under penalty of perjury, how could I have personally racked up these charges? I need a resolution asap so I can buy food and my medication within the next few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
We transferred {$4400.00} via ACH transfer from Bank of America to XXXX bank located in New York on XXXX XXXX. This was a payment to XXXX. It's been almost 5-6 months and still money didn't receive by XXXX. We are circling back and forth between XXXX and bank of America. Made 100s of calls and trip to their physical bank location. Finally we are getting in touch with right department of XXXX and they need technical detail ( attached here ) to trace back the transaction. We tried to contact both banks ( BOA XXXX XXXX XXXX and they both are asking to go to other bank. I don't even know if I receive it back. All I need is detail transaction information to trace back my money.

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 2023-09-28
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
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:
On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only 2 has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN YELLOW IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
It has come to my attention that, although I have written several letters, asking for validation of debt verification of debt audit trails I am not getting any response because of the automated system. These credit reporting agencies have in place, which is in fact, a violation. They do not have any permissible purpose for reporting any of these inquiries on my report. I am demanding these accounts be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

I am afraid these credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness and partiality, and a respect for the consumers privacy. I did not give consented these accounts, or permissible purpose. I have remain humble despite the stress abuse, and harm these three credit reporting agencies have done to me.

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 2021-04-11
Company: EQUIFAX, 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:
Equifax has NOT UPDATED my credit report and credit score with them since XXXX of 2019. Their information on my report with them does not reflect any of the positive things that have transpired over the last 6 plus years, etc. and is not coinciding with the other two reporting agencies. Additionally, name/information was involved in their massive DATA Breach and they refused to right their wrong. In fact, the information and score with them is 80 to 100 points off compared to XXXX and XXXX. I have requested repeatedly ( via multiple ways ) that they update my reporting & score to reflect the things over the years to aid my score just as they've discriminated against me to reflect yester-year, antiquated and outdated information on my report. As a result of them not fairly reporting all sides and them NOT updating my report and score since XXXX 2019, my score/report with them ( Equifax ) is INCORRECT and they have Blantly refused to rectify this and update my information as the other reporting agencies have and do on a monthly/regular basis. Again, monthly/periodic updates are NOT and HAVE NOT occurred to my credit report/score with Equifax. Last update was XXXX 2019. They are/have REFUSED to rectify this problem. I need assistance with how to further address issue and these unfair and XXXX, bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I consumer XXXX XXXX have disputed alleged debt several times that CAPITAL ONE states that I owe. CAPITAL ONE refuses to send validation or verification and proof of alleged debt. CAPITAL ONE refuses to send any enforceable documents because they do not have them and they continue to harass myself the consumer about a debt not owed. I am under Article Three Standing of the Constitution for the United States and CAPITAL ONE is in violation for attempting to collect an unlawful debt. CAPITAL ONE is insolvent in this matter. I consumer extended and offered my credit to CAPITAL ONE pursuant to the TRUTH IN LENDING ACT and CAPITAL ONE converted my credit application into a loan application which was done without my consent. CAPITAL ONE has received credit for the consumer credit transactions and when my credit application was converted they made ill gotten gains on credit and did not report it to the IRS which is tax evasion. I will notify the IRS with the proper forms. CAPITAL ONE has taken my private information and misused is leaving myself the consumer no benefit in which is not equitable to myself the consumer. This is criminal behavior conduct by CAPITAL ONE. I do not owe this alleged debt, CAPITAL ONE is a creditor through extension of creditor who is now acting as a debt collect with furnishing false and deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX I made a purchase at a local grocery shop, on checking up on my account the same night I saw a charge for {$55.00} from the same card minutes later, which I didn't acknowledge. I spoke to citi bank representative and was told that they will refund me the money back but will investigate it .I recently received a letter from citibank saying that I am responsible for the charges and they will retrieve the money back, which they did. I contacted citibank and ask to speak to the fraud department to find out how did they came up with this conclusion. I was told that they will not tell me anything different and if I want to escalate it. I will have to go to a citibank and reopen to file another case. I ask the representative for the number to the company that is charging me for the product. I called the number several times and it is not connecting..

Company response to consumer: Closed with monetary relief