BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2021-04-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Deposited {$620.00} cash into Suntrust checking account on XX/XX/2021at XXXX and the money was made available right away and I could see it in my online banking. Today, XX/XX/XXXX I attempted to access my online banking and the account was locked. After calling the customer service number I was instructed to go to the branch and was told my deposit didn't show up in their systems. When at the branch, I was told that they made a business decision to close my account, and that they couldn't see where I made any deposit into my account. They said my balance at closure was {$100.00} and not {$720.00}. The branch banker said I'd receive a check for {$100.00}. I was instructed to visit the branch where I made the deposit and they could fix the problem. After visiting the branch where I made the ATM deposit, they told me there was nothing they could do and I had to call the customer service number. After calling the customer service number again, they claimed they filed a dispute, but gave no timeframe for the dispute, and no timeframe as to when I would see the total account balance refunded to me. I am now in a situation where rent is due in 7 days and I need access to the cash I deposited in my account. I shouldn't have to wait for a check when this wasn't my fault to begin with.

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 2023-07-04
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm contacting you in regards to my mortgage company. There name is Specialized Loan Servicing LLC-NMLS ID Main XXXX ; NMLS ID Branch XXXX ; NMLS ID Branch XXXX. The issue is that there was forced placed insurance put on my account and I was never aware of that happening so I didn't know that there was a escrow change which made my monthly bill go higher. I was only sending in my monthly mortgage payments not aware that there was a escrow account put on the account and I was supposed to send in more. Because of this, my husband and I were reported late to the credit bureau every month between XX/XX/2019 to XX/XX/2019 XXXX XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX some reason they didn't report XX/XX/2019 as being late and if we were actually late, which we weren't because we were making payments for our mortgage every month, then they wouldn't have skipped XX/XX/2019 XXXX. This has affected our credit scores significantly ( my husband 's credit was immaculate, but then his score dropped down over XXXX points less because of this situation with the mortgage company ). We have now sent in our past due amount ( no one know what was going on on our account for several months and finally notified us of the escrow change in XX/XX/2019 ). I was told by the mortgage company that once they receive our past due amount, which they now had, that I was to request to have all of the late reporting for each month that was reported late that they would remove all of them ( XX/XX/2019 to XX/XX/2019 and XX/XX/2019-as the mortgage company told me that they would remove all of them ) from the credit bureau. The mortgage company never removed any of the late payments from any of those months. I was also told that it is highly illegal to report a customer late to the credit bureau when they are making payments each month. We also told the mortgage company ( when they finally told my husband and I what was going on in our account ) that we would send in the payments for the home insurance seperately and they wouldn't even work with us. I feel like they are doing this so we won't be able to refinance with another company and will be stuck with them for a very long time. I hope you are able to help us with this issue. Thank you so much for taking your time to read this and have a wonderful and blessed day.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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: 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 2021-04-23
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It began when they took over our loan. They don't answer questions. They never sent the proper documentation to explain they had purchased the load. Late payments were made because they double billed us with two different loan companies. During the pandemic they charged us late fees for being late even though the post office was delayed because of the pandemic. This is the same company that kept our repair money instead of paying it to us. XXXX and Loancare both send us a statement for the one house. 

The numbers on each statement aren't the same and one says we are two months late and the other one says we are current. On XX/XX/2021 XXXX shows {$2300.00} total amount due. On XX/XX/2021 Loancare shows {$1400.00} due. They also say we have an escrow shortage of {$1800.00}. Very difficult to know what is really going on here.

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 2021-04-23
Company: AXOS FINANCIAL, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got my house mortgage from Axos Bank, loan payment was {$2900.00}, the bank reached out to us on XX/XX/XXXX to inform us that we don't have insurance for the property, and they are going to purchase the insurance for us unless we prove we already have the insurance, which we responded at the same month with all documents to prove we already have all insurance required, and they responded to confirm that we are all good. However, the bank still increased our payment on XX/XX/XXXX and indicated that we don't have the insurance. On XXXX, we called the bank and indicated that they charged the wrong amount since we already have the insurance required. Even we know we are overcharged, we still made the payment to avoid any potential late fees, and the most strange thing is the adjusted our payment on XX/XX/XXXX then change it back again on XX/XX/XXXX and after then. At the same time, due to this issue, we requested the bank to run a diagnosis on our account, and all of a sudden they realized that they over charged us over the whole year, and sent us a {$2800.00} check on XX/XX/XXXX. However, they still charge us the same amount of mortgage payment monthly and indicate we don't have the insurance. At this point, I don't even know what's the actual amount of payment we suppose to make, and they don't even have a phone number for the right department to solve this issue, we know we are clearly over charged and we still have to make payment to avoid the potential late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2020-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was the victim of an elaborate scam. I have been searching for a new job and was hired for a XXXX XXXX XXXX XXXX with a company called XXXX. I sent them a detailed email about my experience and why I would be a good asset to their company. They got back to me wanting to set up an interview through XXXX ( chat based ). I interviewed the next morning. After the interview, I was told I got the position. The company wanted to send me a starter check to get new office supplies ( new XXXX, XXXX XXXX, etc. ) I received a check for {$3800.00} in the next couple days. The recruiter kept in contact with me everyday. The check posted in my account. He told me the company had an accredited vendor that would send me the office supplies after the vendor received my XXXX. XXXX only allows a maximum of XXXX a day so the recruiter asked me to go to USPS and purchase a money order for XXXX, then XXXX it to XXXX XXXX XXXX, XXXX, CO XXXX. So I did. The next day the recruiter got back to me saying the vendor had received the money, but that the office supplies had gone up in cost. He told me me if I could XXXX another XXXX to the vendor I would be reimbursed my first paycheck. The check ended up bouncing 5 days later and left my checking account in the negatives. Never to hear from the recruiter again. In total, I lost XXXX. 

Side note, why is it okay for the bank to post money in your account before making sure the other parties account has the money?!!! 

Names this " recruiter '' could be XXXX XXXX ( name he went by ) XXXX XXXX ( changed his name to this in XXXX ) XXXX XXXX ( money order addressed to this person ) XXXX XXXX XXXX ( I sent XXXX to this person ) XXXX XXXX ( name on the fake check ) I would really appreciate your help. I don't believe Bank of America will put this money back into my account and I am very sad, broke and frustrated. 

Thank you.

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 2023-07-19
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 found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX a XXXX XXXX XXXX was fraudulently reported on my credit and on XX/XX/XXXX XXXX  WAS was reported on my credit I ASK that these matters be deleted from my credit report! 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 
Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: NY
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 CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

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 2023-07-12
Company: CEX.IO CORP.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased {$1400.00} worth of Bitcoin ( XXXX BTC ) using the cryptocurrency exchange CEX.10 ( Order No. XXXX ). At the time, Bitcoin 's price was {$14000.00} USD per coin. On XX/XX/XXXX, I sold my Bitcoin which had risen slightly and had {$1700.00} USD in my account. On XX/XX/XXXX, I used my {$1700.00} to purchase Bitcoin again because the price had dropped considerably ( Order No. XXXX ). On this day, Bitcoin 's price was {$3800.00} USD which gave me XXXX Bitcoin. In XX/XX/XXXX Bitcoin had risen to {$64000.00} and I decided to sell my Bitcoin which was valued at {$26000.00}. Previously, I was told by CEX.10 that my only way to withdraw my funds would be to open an off-shore bank account because sending funds to my XXXX XXXX via wire transfer was not an option at that time. By XXXX of XXXX, CEX.10 had made it possible for US citizens to sell Bitcoin and I attempted to do just that without any success. I have been trying to sell or transfer my Bitcoin to a wallet ; however, when I attempt to sell my Bitcoin, I receive the following message " We're not there yet but might be coming soon! Unfortunately, were not providing our service in your country yet. "! What? CEX.10 has as of today 's Bitcoin rate {$12000.00} of my money they refuse to return to me. I have been in contact with their CSR, and have an email from a CSR named XXXX informing that I absolutely CAN sell my Bitcoin and withdraw my USD to my XXXX XXXX account and he provides details and a link ; however, when I follow the link or log into my account through their website via my desktop, I can not find anything regarding my XXXX Bitcoin or any way to sell or withdraw my funds. I do have access to my account via their App ; however, I am not given any SELL option. I can not perform any type of withdraw of my funds or my Bitcoin. I have been very patient, but this company has clearly stolen my money. CEX.10 was registered with the SC Secretary of State 's Office as a Corporation in XXXX, but the status now shows a status of forfeited with a date of dissolution XX/XX/XXXX. I want my XXXX Bitcoin returned to me OR the value of my Bitcoin in USD which as of today is {$12000.00}. CEX.10 previously offered itself as FDIC Insured on their website and in other online communications. I am now aware this was untrue.

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 2020-11-10
Company: National Credit Adjusters, LLC
State: KY
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:
For over 3 months NCA has been falsely reporting a account that doesnt belong to me on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered merchandise from online store XXXX on XX/XX/2020 using my chase debit card for {$4700.00}. I was suppose to receive the merchandise on XX/XX/2020 which I didnt receive. I contacted XXXX multiple times, but they straight away refuse to help me with the issue. After which I contacted chase bank to file a dispute since merchant refused to help me. Filing a dispute is my right as a consumer which was there when I signed the contract with chase bank, but they also refused to file the dispute. They even refused to help with it. I filed complain previously also with CFPB XXXX. After which I was advised by one of your representative that I should file a dispute again with the dispute department with the bank and they'll help me with it. When I filed the dispute again with the dispute department they refused to help me saying that this dispute has been previously closed and can't be filed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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