BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
The company is reporting this information on my credit report. 
Stating that I owe this debt. 
Which is negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Citizen 's Bank on XX/XX/2022 collecting a debt. My account was just transferred over from XXXX. The letter said that my minimum payment was {$52000.00} and the amount past due was {$36000.00}. When I called Citizens, they told me that they sent out a letter with a misplaced decimal point, and it should have been XXXX and XXXX. While I knew this was inaccurate, I had to check all of my credit reports and make sure my identity was not stolen, and check all of my other information. This seems like more than a simple mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
2 FRAUDULENT CREDIT CARD ACCTS. WERE OPENED AT AMERICAN EXPRESS. I CONTACTED AMEX AND FILED A POLICE REPORT WITH XXXX POLICE DEPARTMENT..POLICE REPORT # XXXX. THEIR PHONE # IS ( XXXX ) XXXX. PLEASE INVESTIGATE AND RESOLVE THIS MATTER, AS IT IS RUINING MY CREDIT SCORES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NV
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife tried to fix this with no success so I am going to try! My name is XXXX XXXX XXXX and I just closed on my loan XX/XX/XXXX. The entire closing process what a Disaster! I changed my loan amount on XX/XX/XXXX increased by {$3000.00}. I was told all was good loan would close XX/XX/XXXX as I received my CD on XX/XX/XXXX. Well it all went to XXXX from there! No closing Sat! Was given the run around about things I already addressed and then!!! The day before I needed to close because I was leaving out of town ( XX/XX/XXXX ) I was told the address on the appraisal was wrong and needed fixed!! They had this appraisal for 3 weeks at this point!!! Why was this not caught 3 weeks ago? Nevertheless after another day of XXXX a closure shows up at my house XXXX XXXX!!! On XX/XX/XXXX! I asked him for the CD with the new loan amount as o had been asking since XX/XX/XXXX and never got it! Well guess what! My cost to close increased from $ {$2700.00} to {$4300.00}!!! I was beyond shocked!!! My wife tried to get it fixed! No fix!! So here we are! My wife tried to get someone at the bank to evoking the charges and no one responded to her! We closed as my mental health could not take dragging this out! I looked at the second CD which I should had been given well before closing and noticed they have being taxes of {$660.00} That was paid by U.S. Bank onXXXX from the escrow account they manage!!! Why in the world did they pay them at closing? There response - if it is an over pay XXXX county will refund well not to us but back to the back in which we may never see the funds! I did not increase my loan amount for them to wrongfully use my cash out funds!!! I had every penny account for to payoff my debt! Because they never sent me a recused CD when the loan amount increased I never saw the cost to close from the first CD! The Other cost increased from {$1000.00} to XXXX!!! How!!! I am pretty sure there are tolerance issues here under the XXXX rule! Also note- no revised LE was issued when the loan amount increased XXXX issue??? This could had been fixed had they given me my CD before XXXX at closing!

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 monetary relief
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX XXXX  billion criminal and civil investigations into sales and illegal activity XX/XX/XXXX XXXX billion improper mortgage lending practices XX/XX/XXXX XXXX million failed to send homeowners required notification XX/XX/XXXX failure to pay homeowners damage XX/XX/XXXX XXXX billion for illegal activity The memo from title company, Wells Fargo, to the closing agent, Wells Fargo, detailing how to quickly close loan. Both Wells Fargo companies. 
XXXX began receiving unpaid taxes from Wells Fargo. The sellers knowingly and willingly signed a binding legal document, they knowingly and willingly lied about owing XXXX property taxes. That were actually sold due to non payment. The seller and buyer had to have knowledge of the unpaid taxes. The illegal activity and pressure and blatant fraud from Wells Fargo and the previous owners, make the contract null and void!

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 2022-03-24
Company: EQUIFAX, INC.
State: OH
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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : INCORRECT NAME : XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX, CA Date Updated : XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiry XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Inquiries and dates : - XXXXXXXX XXXX ( Finance ) on XX/XX/XXXX - XXXX XXXXXXXX XXXX ( Bank ) on XX/XX/XXXX - XXXX ( Miscellaneous ) on XX/XX/XXXX - What happened : Customer service would not help nor take care of the negative inquiries reporting to 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 2022-02-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was solicited by Rocket Mortgage to apply to refinance my loan, and prior to starting the process Rocket Mortgage sent an appraiser that came back with a value of XXXX so we began the application process and finished XXXX of repairs. In the same month they sent a second appraiser that came back with XXXX even though the repairs were finished. Our own research has lead us to believe both of the appraisers grossly undervalued our home, by more than 50k. The fair market value of our home without any repairs of upgrades is XXXX but they are falsely depressing our home value. 

The end result is we were turned down for the refinance, our credit score decreased by XXXX points because of the denial, and our home was falsely devalued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have sent numerous letters in order to resolve this issue which have all gone unanswered. 

In reference to the following, I requested a proper investigation which has not been done. The inaccuracy of the report has impacted me significantly, and I demand that the information be corrected. 

The following accounts are still erroneously reporting. In accordance with the Fair Credit Reporting Act, it is required to investigate these items and DELETE any and all discrepancies. 

XXXX  XXXX XXXX XXXX This charge off account does not belong to me. 

XXXX XXXXXXXX I was never late on this account. I have made all the payments on time. 

XXXX XXXX I was never late on this account. I have made all the payments on time. 

In compliance with the Fair Credit Reporting Act, which clearly states that any known information that is false can not be reported to any credit bureau. I have been requesting that they be immediately removed but have gotten no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I deposited more than {$10000.00} into a new account with Marcus bank, acting upon their offer that guaranteed a {$100.00} bonus for opening the account, provided the balance exceeds {$10000.00} and is maintained for a period longer than 90 days. Despite fulfilling these criteria, the bank refused to award the bonus as promised. This has not only happened to me, but I'm aware of other customers who have faced the same issue. 

In an attempt to resolve this issue, I contacted the customer service of Marcus bank on three separate occasions. During the first instance, the representative inaccurately stated that my account balance needs to be more than {$25000.00} to qualify for the bonus, which contradicts the terms that were originally communicated to me. The second time, I was informed that my case had been filed for review. In my third interaction with the bank, I read the terms of the agreement to the representative who acknowledged my point but subsequently ended the call abruptly without further addressing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: NC
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/21 I submitted letters to Experian and XXXX disputing accounts that were inaccurately reporting on my credit report. It has now been over 60 days and I have not received a response or removal of the accounts. I am trying to purchase my first home and this is hindering my approval. Can someone please help.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
An 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 explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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 submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/.

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 2022-11-09
Company: EQUIFAX, INC.
State: OH
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:
An 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
On XXXX, an unauthorized charge of {$440.00} was made to my credit card account. I called Chase to file a dispute on the amount, which they said they were going to investigate ( I imagine because I told them I knew who did it, that my dispute must have been redirected to a department that does not care, I'll explain more on that later ). I received a letter in the mail 2-3 weeks later asking for more info, which I believe I then sent through a " secure message '' through their website ( which of course I can't find a record of, as of today XX/XX/XXXX ). I did not hear anything back from this credit card company regarding the dispute. They also reported to the credit bureaus, in late XXXX, the balance on my account that INCLUDED the disputed amount. ( Isn't that against the law? ) A couple weeks later, on/around XX/XX/XXXX, I noticed more unauthorized charges hit my account, so I went to the person responsible, and told me that they would pay me back for the " miss-click '', so I did not file an additional dispute. To prevent future head-aches with this person, I then cancelled the card, thinking that future charges would not go through, as the original dispute was still ongoing, to my knowledge. 

On XXXX, another charge of {$63.00} hit my account, so I called Chase again to figure out what happened. No big surprise here, but I was told that companies still have the ability to charge your account even though my old card was shut down. I then asked Chase to block the merchant from future charges, which they said they would do. 

Then on XX/XX/XXXX, XXXX more charges i/a/o {$170.00} and {$400.00} hit my account again!! I called again on XX/XX/XXXX around XXXX, only to be told that it takes 30 days for a blocked merchant to go into effect!?! I was never told that it would take a ridiculous 30 days to take effect. So I filed another dispute online, including the XXXX charges, plus the previous dispute, for a total of {$1000.00} in unauthorized charges on my account. 

I then receive a voice message on XX/XX/XXXX to call back a man named " XXXX XXXX '', however when I dial the extension number he left, I receive multiple dial tones as if the number is disconnected!! So I call the customer service number, and speak to more unhelpful employees that tell me they do not have a record of my call on XXXX, nor do they " believe that I called ''!!!!??? So, apparently, this time, they put on a block on the merchant ... I'll never do business with this company again and let everyone I know about this unique experience ... Lesson here, never tell dispute departments that you know who did it, otherwise your honesty will backfire!! 

And they accuse me of lying?!?! Their investigative process is a joke ; I guess my account is the punchline ...

Company response to consumer: Closed with explanation