BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion 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 2019-03-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried to Discuss with NAVIENT my financial situation to resolve my high payments ... they tell me they will only accept a specific payment ... I make between 1100-1300 month ... by the time I pay my living expenses and NAVIENT ... I am left with nothing. I only get paid 1 time a month so stretching my pay from payday to payday is hard. I offered them a {$200.00} dollar per month payment and they said it was not enough. They want to take out {$400.00} per month and by the time I pay my rent more than half my check is gone. My XXXX year old father is on my loans as a co-signer and lives on a fixed income, has major health problems and lives in a home with many problems ... if I can't pay he gets harassed by NAVIENT. I am NOT unwilling to pay but I can only make small payments at this time. Is there anything that can be done? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Walked into a branch of Garden State Community Bank in XXXX, NJ and requested information about opening a certificate of deposit. After the rep gave me the terms and yields, I requested to open a 3 month CD. At account opening, I gave the rep my licence, foreign passport, ITIN and a credit card as a secondary ID. The rep started asking me uncomfortable questions about my citizenship using degrading and inaccurate terms, then went on to say that, since I have an ITIN and I'm an XXXX XXXX, I can not open an interest-bearing account. I asked why I can't earn interest having an ITIN and all the IDs required for her to identify me and she replied that XXXX does not open interest-bearing accounts to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX ) XX/XX/XXXX Comenity Bank acquired the XXXX credit cards from XXXX XXXX. 
Around that time i required to receive as a credit to my account : {$880.00} or rewards accumulated over time. I noticed that Comenity was not paying the rewards. I called in XX/XX/XXXX for the first time. They answered by saying they were putting this claim as a dispute. And dispute require 3 months to be answered. And they refused communications until 3 months passed. At the end of 3 months, i called again, and they said they were placing again the claim in another dispute. In short they use tactics to avoid the payment of rewards. Their customer service told me that i was not the only one. They decided not to pay the rewards when they purchased the accounts of XXXX. 
( letters document 1 ) On XX/XX/XXXX they credited my account with {$970.00}, but took back the money the next day. {$970.00} was the amount of rewards plus the cost of 18 % interests they charge. ( Document 2 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: PA
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:
have reached out to Equifax about the unauthorized/unknown inquiries that are on my credit report. They have failed to adhere to my request. In the FCRA. 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. The information i am submitting is posted below. 
Name : XXXX Date : XX/XX/2022 Name : XXXX  date : XX/XX/2022 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is trying to get us to pay someone else 's debts that we do not know! They texted me about XXXX??? and he does not live here. We don't know where this individual lives. They identify themselves as Harris & Harris Debt Collector. I had asked them to stop contacting us. They keep contacting us! over and over! They keep calling us XXXX for some odd reason. These notices keep running up my message and data rates on my cell phone. Yesterday they said, XXXX, Harris & Harris is a debt collector for XXXX. I do not know who or what XXXX is much less the person they are asking for. I told them we are not responsible for someone else 's debts and that no one by that name lives here! This is the sixth time I know of that they harassed us! Their code is XXXX. Make that 7 times. They called ago on XXXX at XXXX today XX/XX/XXXX. I keep reporting it as junk. The phone number uses the name XXXX and wants me to call back at XXXX. They contacted me on XX/XX/XXXX at XXXX similar message. Another contact on XX/XX/XXXX XXXX similar message. I reported all of these and the others to you yesterday with the numbers and messages and dates. I hope it was not another false company I contacted yesterday! It was under the Do not call registry! Anyway, my number has been registered with you for years. They are taking up space on my phone and my space is very limited! In fact it says space is 98 % full! It's because of these contacts. I do not know if the robocalls were additional contacts. I've just been reporting some of the messages and texts that they left me. Please do not share my phone number OR email with someone who is trying to scam us with someone else 's debts. We never signed papers saying we would be responsible for someone else 's debts! We do not have medical nor financial permission for someone else! My husband is called something else. Why would we get calls for some unknown person? We are in our XXXX 's and I am a XXXX  XXXX. They are calling on our cell phone harassing US! Why do scammers try to harass and cause XXXX XXXX anguish, pain, and more? I can't even get up to answer the phone most of the time! I think they owe us some money for harassing us, causing health problems, and anguish! Since no one lives at our address except my husband and myself, I do not know why they have my phone number nor why they are calling for someone who is not here!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2018-08-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXXXXXX XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from TransUnion, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.

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 2021-12-19
Company: Deutsche Bank
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to complaint no. XXXX. The Consumer Financial Protection Bureau has communicated that Deutsche Bank has implied " the complaint does not belong to them ''. See attached XXXX XXXX naming Deutshe Bank, but most importantly see COMPLAINT naming Deutsche Bank. If you carefully review the complaint filed on XX/XX/XXXX, you'll find that the loan modification naming XXXX was unrecorded. See also recorded copy dated XX/XX/XXXX. If you can read XXXX than you know the complaint NAMES DEUTSCHE BANK AS THE MOVING PARTY IN THE FORECLOSURE ACTION. DID WE MISS ANYTHING HERE CONSUMER FINANCIAL PROTECTION? DID WE? Deutsche Bank now wants to minimize their involvement on this case because a complaint has been filed with the XXXX XXXX OF XXXX FLORIDA IN CONNECTION WITH PUBLIC CORRUPTION. DEUTSCHE BANK LEGAL COUNSEL ILLEGALLY RECORDED THE INSTRUMENT. BANKS LEGAL TEAM ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX XXXX XXXX The bank has been evading the taxes due on Intangible instruments. See loan modification dated XX/XX/XXXX, the lender did not pay the imposed taxes by the state until XX/XX/XXXX. That's tax evasion. You paid the taxes on XX/XX/XXXX because our legal counsel made the court aware on XX/XX/XXXX, when we moved for summary judgment against you, otherwise it would have never been paid!!!! ( 9 years passed!!! ) Your legal counsel became disparate and illegal filed the instrument. XXXX XXXX XXXX office will not accept copies of mortgage but original and reflecting original notarization. The instrument was even notarized yet it was filed. Your legal counsel caused to pay someone at the XXXX recorders office to have recorded the instrument illegally. Please know that the matter is being investigated by the DOJ because the issue falls under public corruption. You and your fraudulent legal counsel should know that in the UNITED STATES OF AMERICA the only thing for sure " DEATH AND TAXES ''. No one in our Country can evade taxes & engaged in public corruption, then tell the court we have standing. You are full of XXXX Deutsche Bank and everyone in your organization. The treasury and multiple agencies are reviewing multiple complaints against you for public corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-09-24
Company: MicroBilt / PRBC (formerly CL Verify)
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:
dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Chime Financial Inc
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:
There were fraudulent charges on my account for something called XXXX XXXX It was totalig XXXX. The company texted mw and asked if it was me and i texted no They texted back and said i wouldnt be charged and was charged anyways. Once i contactes ticket driver and chime no one dod nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Hello, Cashapp closed my account unexpectedly without explanation. I tried numerous times to find out why, but cashapp wont help. 


My cashapp username name is XXXX  XXXX, and my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A few weeks ago, I submitted an application with JPMorgan Chase to refinance my primary residence. Initially, I submitted a loan request of {$400000.00} pending a current appraisal. My appraisal came back, and my property was valued at {$540000.00} which means the maximum I could borrow was 80 percent ( {$430000.00} ). According to Chase own requirements and standards, as a Self Employed individual my DTI could not exceed a 43 percent. After submitting all the required documentation, I was told that based on my taxes for XXXX and XXXX, I could only be approved for {$360000.00}. ( My XXXX taxes are on extension until XXXX ). 

Given this reduction, I asked that the specialist provide me with a breakdown on how they derived to such a high DTI. After providing me with the breakdown, I discovered that the underwriters had miscalculated my monthly bills by approx. {$600.00} per month. Given this error and based off of Chase own policy, I qualified for the {$430000.00}. However, when presenting this to JPMorgan Chase, I was met with resistance. The specialist informed me that although I qualified for the increase that they would not increase the loan amount until they could verify my XXXX income. ( See direct quote below ) Hi XXXX, Thanks for sending us that file, and per your request to send you an email regarding my phone call this morning : since we do not have your XXXX tax returns, we wouldnt be able to update your verifiable income, therefore we have to remain with the current loan amount and counteroffer. 


I was shocked. How is it that I qualify for a {$360000.00} with my 2 year ( XXXX and XXXX taxes ) but I do not qualify for more unless I provide my XXXX taxes? So basically, Chase is saying that they do not feel comfortable giving me {$70000.00} unless I provide my XXXX taxes but are comfortable giving me {$360000.00} with the current taxes they were provided? Obviously, this is unacceptable and should be looked into. I am a minority woman, and this logic appears to be discriminatory behavior.

Company response to consumer: Closed with explanation