BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
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 fraud alerts or security freezes

Complaint:
When I attempted to freeze my acct at Transunion after the XXXX  debacle I was misled into signing up for some monitoring service and they immediately started charging my credit card. After about a month and formal complaints they cancelled the service and refunded the charge. Since that time about every 2 weeks I receive a SPAM email ( XXXX ) from them with different offers and implying that I signed up for some service. Each and every time I receive one of the emails I have diligently followed their procedures to unsubscribe and stop receiving the unwanted SPAM. To date I have done this at least 12 times with no effect. 
How can a company that lacks basic competency or ethics to maintain a functioning cancellation system be entrusted with individuals credit history. Did they not learn anything from the XXXX negligence?

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 2020-04-07
Company: Experian Information Solutions Inc.
State: NJ
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:
The due date on my XXXX credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th XXXX cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.

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 2019-01-26
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my Citibank account for days. I can't log in with my user name and password, although I've logged in before and I'm sure the user name and password are correct. Then it asks me for my debit card number and mother 's maiden name, which I'm sure I entered correctly, and it still won't let me log in. I phoned Citibank two days ago ( Thu XX/XX/2019 ) and the customer service rep said that there was no problem with my account and no block on it. But I still can't log in and today received an email that my account access had been blocked. I suspect they're getting revenge because I filed a separate complaint recently. I tried the online chat with Citibank, but it won't let me chat unless I'm logged in and I can't log in.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They keep playing fraud alerts and credit freezes on my credit profile WITHOUT MY PROMISSION.

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 2019-06-18
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: Their investigation did not fix an error on your report

Complaint:
After months of trying to rectify the problem with XXXX XXXX regarding an authorized charges and their egg Noreen my request and explanation of what was going on as a victim of identity theft. After submitting two separate FTC reports regarding the matter not only for the credit card itself but where the payment was coming from for that credit card I was told by XXXX XXXX that I could not dispute the charges even though I already had and they somehow went ignored but rather that the card was now closed and I am forced to pay whether they are an authorized or not. They did not care about the CFPB report from you guys or the FTC report when I called as recent as last evening.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: MA
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:
Disputed a account from XXXX XXXX, on my experian credit report. Submitted dispute on XX/XX/2019, account was deleted on XX/XX/19. On XX/XX/XXXX I recieved three notifications at the same time. One my dispute was open, second it was almost complete, third was to view my results. Since I havent disputed this account I opened and saw they reinserted the credit acceptance account. I called experian, they said they give a company 30-40 days to respond XXXX XXXX failed to respond so they deleted the account. But credit acceptance responded on day 104, so experian reinserted the account. I asked why I havent received a 5 day notice of reinsertion. He said the dispute results were my notification. Seems Experian workers dont know simple credit laws.

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 2020-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & XXXX both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. Equifax XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA  2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See Equifax Confirmation XXXX Reported Disputed NOT FIXED. XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX & XXXX ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. Equifax is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? Equifax has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A.  Furthermore equifax has ( failed to provide method of verification as required under section 611 a 7 ).  Equifax please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. XXXX EQUIFAX DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER EQIFAX BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & EQUIFAX HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS EQUIFAX ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY EQUIFAX IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXX XXXX charge off account XXXX XXXX DELAWARE XXXX late payment account XXXX XXXX late payment XXXX  XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report. 

Regarding the charge off accounts from DEPT OF ED/XXXXT, XXXX have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXXXXXX XXXX DELAWARE and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, 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 2021-10-14
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Opened a new HELOC ( at the same bank ) because the available draw on the old HELOC had ended at the end of 10 years. I received a statement on the old HELOC which showed an escrow balance of {$110.00}. Waited for a week to 10 days for PNC bank to send me a check for that balance. I was surprised that it hadn't been paid/settled/ credited to the new HELOC. Nothing ever came so I called PNC to ask for a check to be sent and they offered instead to deposit the funds in my checking account also saying they were surprised it hadn't been settled at the same time as the closing/opening of the old and new HELOCs. On XX/XX/XXXX I received a check from PNC for the {$110.00} and made a mobile deposit. The NEXT day, they credited my checking account with {$110.00} and did a stop payment on my deposit AND charged me {$12.00} for that stop on THEIR check which they sent me. The stop is justified but the service charge is NOT. I called PNC and was told I would have to speak with someone in the mortgage department ( which was closed ) to get that corrected. When the mortgage department re-opened, I called and was told it would have to be corrected by the customer service department which I had already called. I'm tired of the run around and all the wait times on hold!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Roundpoint Mortgage bought my mortgage from XXXX XXXX. The only notification I got was one thing in the mail that I didn't open because I get all kinds of mortgage stuff that's XXXX  and one email in XXXX that they purchased my mortgage. My bill was on autopay from XXXX XXXX so that obviously ended when they bought it. I didn't notice that my mortgage wasn't being deducted because I have a lot of expenses for my work and my mortgage is relatively small so I didn't realize I wasn't paying. I only found out when they put my house in foreclosure and destroyed my credit score. I then looked into it and finally got in contact with them. They never sent me a single bill on email or actual mail. They never called me about the issue. They never sent me a foreclosure notice. Nothing but one item of mail when they first purchased it. They then claimed that the post office was sending back everything that they tried to send to me. I don't know how because they obviously were able to contact me with the initial email and the initial mail. They told me all the bills and foreclosure notices never made it to me and that it was my fault. They then charged me an additional {$1400.00} dollars for a foreclosure attorney to reinstate my bill and get out of delinquency. I have never missed a single mortgage payment so I was able to afford to pay the {$7700.00} to go current but had I not noticed this company would have foreclosed my house without ever contacting me. Only reason I found out is because my credit card company sent me a notice that my credit had dropped by XXXX points.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The due date on my XXXX credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th XXXX cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.

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 2019-01-26
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:
There are fraudulent accounts appearing on my Transunion and XXXX  credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo refuses to close my account unless I send them a scan of my Drivers License. Venmo does not need my ID ( photograph, personal identification numbers, height, weight, age, etc ) in order to close my account. 

Venmo only requires a phone number and email to sign up and transfer money. They do not need anything else to close it. I want my account closed. I will not send them personal identification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DEPTEDXXXX XXXX Balance {$6800.00} DEPTEDXXXX XXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX  XXXX Balance {$0.00} XXXX. XXXX, XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX ) XXXX Balance {$3000.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX  XXXX BANKRUPTCY DISCHARGED Reference Number XXXX Filing Date XX/XX/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 2022-03-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2022-08-08
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AFFIRM INC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Lenmo Inc
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I sought out the services of Lenme to assist in a short term financial issue that I was having. Being in a tight spot I went with the first option that I could get. Lenme happened to be that option, however, it was not what I was expecting it to be. The company ended up charging me a 200 % interest rate over the course of 1 year. Fast forward to last week, and I realized that something just wasn't right about this. I then attempted to contact the company, which only provides support through email or live chat. I requested to negotiate the terms of the loan, and maybe to refinance at a much lower affordable interest rate. That was immediately thrown aside and I was told that it could not be done. I began to feel very frustrated and defeated at that point. At a later date, continuing to be frustrated I requested a copy of the original agreement. The company has refused every attempt I have made to provide me with this information. To my understanding a company is required to provide this information if it is requested by the party it concerns. I then requested the company to terminate my authorization for automatic withdraws from my bank account which they refused. I know for a fact that this is in violation of CFPB rules, and I have pictures to prove this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I will, always have problem with paying always a error come up another issue that happen a lot is reflecting the wrong amount on the account. Another comment issue is the amount you can & can not withdraw causing me many many issues specially will be in the middle of an emergency

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