BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I submitted a letter along with a police report and ftc identity theft report stating that I recently pulled my credit and noticed it was accounts that I did not open or authorize anybody to open up which would make me an identity theft victim, TransUnion only deleted XXXX account " XXXX XXXX '' and left the other XXXX along with the inquiries that I did not authorize either. The accounts TransUnion left are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX and XXXX inquiries ( see attachment ). XXXX deleted XXXX accounts " XXXX XXXX XXXXXXXX and XXXX XXXX '' but left XXXX which was XXXX XXXX XXXX XXXX  ( see attachment ).

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
Company: ONLINE Information Services, Inc.
State: SC
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:
First of all this account is over 7 years old and it is illegal to collect on old debts according to the FCRA and FDCPA. 
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: OneMain Finance Corporation
State: MI
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:
On XX/XX/2021 ( XXXX ) XXXX XXXX  XXXX XXXX pulled my credit for no reason, and I've never contacted, nor ever conducted business with this company and never authorized them to pull my credit. 

On XX/XX/2021 two other companies ( 2 ) OneMain Financial and ( 3 ) XXXX XXXX also pulled hard inquires. I never provided any of these three companies permission to pull my credit. 

After noticing these unauthorized credit pulls, I immediately locked my credit report with XXXX XXXX and XXXX. I also contacted XXXX XXXX and OneMain Financial both stated that I would need to contact the credit bureaus and dispute it with them. There was no phone number or contact information on my credit report for XXXX XXXX. 

When I called XXXX XXXX to dispute these inquiry 's they said to ( a ) obtain a copy of my Federal Trade Commission Report ( which directed me to this website for CFPB, ( b ) and mail them a letter stating what happened. 

Please contact these companies and realize I never spoke to them directly, nor online, nor provided my info, nor gave permission to pull my credit for any reason, and please REMOVE those 3 unauthorized hard credit inquiries from my credit report. 

I understand some companies may use other names of companies when seeking financing, but I don't need more credit at this time and the last time I authorized my credit was to purchase a house a few months ago and then was going to finance a bed that I just paid cash for. Those last three credit pulls were not authorized by me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We were charged for an online transaction we did not authorize. The credit card company refuses to acknowledge that we did not authorize the charge. My wife started the process of booking a room and got part way through the process and abandoned the website before completing the authorization process and before getting a confirmation that the booking had been completed. The website indicated we would get an instant confirmation. It began asking my wife questions that made her nervous that the system was a fraud so she did not answer the questions and did not complete the authorization process. She did not receive the promised " instant confirmation '' number or booking number. She abandoned the website when it started asking her for information she did not want to and did not provide. To her surprise she later received an email indicating that she had completed the booking even though she did not complete their booking process online. She immediately contacted or attempted to contact the parties involved to try get the issue resolved and she proceeded to cancel the booking that she had never made but the email indicated that she had. The vendors refused to acknowledge their fraud. And refused to refund the money. So we disputed the charge with Citi and the dispute was incorrectly characterized as " no services received '' or something like that. It was not properly characterized as an unauthorized charge. Citi says that since we provided our card information during the process that it doesn't matter that we did not actually authorize the charge or complete the authorization and booking process.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 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
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notice to all and everybody, I Am that I am, the consumer I fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the XXXX, XXXX. IT's ME XXXX XXXX THE REAL ONE AND ONLy. I included my social security card, which I'm the only one who would have access to that form of credit card so that you know it is the real me and so that you don't falsely accuse me of having an unauthorized party send this in on my behalf.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. Failure to respond satisfactorily with deletion of the above referenced account will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g 3. ) Negligent Enablement of Identity Fraud 4. ) FDCPA 807 False misleading information 5. ) FDCPA 809 validation of debt 6. ) FDCPA 8012 furnishing deceptive forms 7. ) 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy 8. ) 15 USC 1692g Validation of debt 9. ) 15 USC 1681n defines Civil liability for willful noncompliance 10. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports I demand that the following accounts be verified and updated to payed as agreed or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. 

NELNET XXXX XXXX Balance Owed : {$1300.00} NELNET XXXX XXXX Balance Owed : {$1100.00} NELNET XXXX XXXX Balance Owed : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did money transfer through XXXX. When my receiver want to receive the money, XXXX agent told my receiver that the money is not ready. I called XXXX Customer Service and I was told to have my receiver go to the same agent location again to go receive it. When my receiver went for the second time, they wrote on the Receiver Form attached that the money is still not ready. So my receiver called me as she was still at the agent location and I called XXXX Customer Service again. This time, XXXX Customer Service started a claim with XXXX XXXX # - XXXX, and told me to follow up in XXXX business days which fell on today XX/XX/21. When I called today, the XXXX Customer Service agent treated me very disrespectful and refused to help me get my money back. So please I need your help to get my money back, it is for urgent need. 
Please see the attached documents for review. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX  reported an unauthorized inquiry to equifax on XX/XX/2021. i did not give permission to report. 
i submitted a FTC report and sent it to equifax on XX/XX/2021. no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received the AMEX gift card {$750.00} and tried to place several orders on XXXX but all got declined. XXXX XXXX pending transactions showed up under spending history but still can not have the order placed. It's a gift card should be able to spend everywhere, in-store or online, according to the description listed on the website. Called AMEX customer service but got told it's XXXX declining the transactions even XXXX told me it's declined by AMEX. Asked customer service to solve the issue but kept telling me there is nothing they can do and asked me to use the card in other store, which is not the purpose I am planning to use the card with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have contacted TransUnion to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX XXXX and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also TransUnion keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from 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 2021-05-26
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are refinancing our loan. The new lender, XXXX XXXX XXXX XXXX, requested a payoff statement on XX/XX/XXXX, but the current mortgage company, XXXX XXXX XXXX PHH Mortgage Services, has delayed responding. Our mortgage is in good standing and I do not understand why there should be any delay in getting this payoff statement. 
Its practically impossible to get to speak to someone in person and when we do it is never the same person. No one seems to be moving this simple, straightforward request forward. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
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:
On XX/XX/XXXX I reviewed my Transunion credit report. The report contained 3 separate inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I did not authorize. It also contained an Employer by the name of XXXX XXXX as a result of one of the 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 explanation
Consumer complaint received 2022-11-30
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had an Elan XXXX for XXXX or XXXX years. The card is serviced by XXXX XXXX based in XXXX, ND. I received a letter dated XXXX XXXX, 2022 from XXXX XXXX informing me that the interest rates I was to be charged were going to increase ( letter attached ). XXXX reasons were given for the increase, supposedly based on my XXXX credit report, dated XX/XX/2022. 
I called XXXX XXXX on XXXX XXXX to ask for an explanation. The customer service person I spoke with was not able to give me details. I then wrote XXXX XXXX responding to/questioning each of the XXXX reasons given for the rate increase ( letter attached ). 
By coincidence, I had pulled my credit report from XXXX in XXXX, 2022. None of the reasons for the rate increase given by XXXX XXXX were evident on the credit report I obtained. In addition, the customer service person I spoke with on the XXXX told me the interest rates shown on my account were higher than the rates shown on my monthly account statements. 
I received a response to my letter from XXXX XXXX dated XXXX XXXX ( attached ). The response did not address the issues raised in my letter nor was there a response to my question as to the difference in rates between my statements and what I was actually being charged. Their response was basically " we aren't going to reconsider the rate hike and you can close your account ''. 
I did not accuse XXXX XXXX of fraud in my letter. To charge a long-time customer a higher interest rate that what was disclosed and to use apparently specious reasons for a further rate increase can be viewed as fraud adjacent.

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 2018-05-03
Company: National Management Recovery Corp. (NMRC)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reached out to these companies below to see if they had permissible purpose for these hard inquires and no one responded, they either left me on hold or the phone disconnected. I'm trying to purchase a home and the inquires are vital and affecting my ability to purchase, I'm requesting they are removed immediately as they ahve been on my credit report for over 1 year now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation