BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
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:
I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX. After reviewing the information on my credit report, it came to my attention that several unauthorized accounts have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institutions and desire the placing of fraud alerts on my accounts to prevent further unauthorized activities. As I reported the problem Transunion to rectify this issue, and they removed all but XXXX account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Transunion. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Transunion initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXX XXXX XXXX, XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.

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 2023-07-24
Company: Lendmark Financial Services
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kept seeing late payments being reported by lendmark financial but you couldn't see the late payments they were reporting the past old derogatory remarks section I finally found them last week and from XX/XX/XXXX to XX/XX/XXXX they reported 40 late payments and we disputed it 2x already they refused to fix them then last week we disputed it for the 3rs time and then instead of fixing it they report 20 more weeks of late payments the account has been closed for over 1 1/2 years it's a local office worker names XXXX XXXX he is purposely reporting the late payments knowing I'm in business and this has crossed the line esp now the reports need to be removed after this little stunt I just lost my SBA loan over this action my credit just dropped nearly 100 pints and I want something done or I will take a personal approach and make a physical interaction over this issue it's an attack on my personal well being and it's a cowardly attack on me and my life and now it just turned beyond personal and today something is being done about this this doesn't just effect me it's effect my community especially knowing I am working on developing a rural community growth and development company and this just drove it in the ground and at this point I only see one option and it's an attack on this local office me and them and I have to follow through with this it's been happening long enough this was discussed last week it was supposed to be fixed and they were still reporting it as an open account I am done like I said I have nothing to lose at this point and this is why there are shoot outs in rural America/ the Urban jungles. XXXX piece of XXXX like this guy personally attacking hood honest people because he was caught working with a local dealership giving out predatory loans and taking side money and this is his retaliation back XXXX no not anymore he will pay the price on lead weight that he adds on you can rest assure that. I want legal actions brought against this company and I want this man XXXX in the stress no doubt. He won't make it this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 information was included in a data breach and I now have a lot of unauthorized inquiries and fraudulent accounts I have asked the credit reporting agencies to remove all items and still nothing is being done

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 2023-07-17
Company: EQUIFAX, 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:
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 removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1. I called XX/XX/XXXX when payments restarted to get help applying for the SAVE plan. The trainee that assisted me that day was very nice but signed me up for the PAYE plan when I was requesting the SAVE. I wasn't aware of this until it got approved middle of XXXX. I then reapplied on MOHELAs website on XX/XX/XXXX for the SAVE plan. I had tried contacting MOHELA multiple times and they just would tell me it would be a few more days. On XX/XX/XXXX my application was denied. When contacting them today I was on the phone for XXXX hours and was told my application was denied as I selected to pull my loans out of deferment and that is not allowed. Mean while my friends with other servicers got their SAVE plan application approved within a week and was able to pull their loans out of deferment with no issues. I am extremely frustrated with MOHELA as everything they do seems to be a scam to get more of my money. I am in a lot of debt and while awaiting all of this to process I have accrued hundreds of dollars which is not to blame on my end. 
2. I was told if I made a payment towards XXXX of my loans to close it and selected that loan solely whatever else was leftover would be refunded to my account. I have talked to XXXX employees prior to the employee tonight that said they would process the refund. Yet the guy tonight told me it was denied due to " that not being a good reason for a refund. '' The leftover money was then dispersed to my other XXXX loans and went towards interest. XXXX of these loans being under the PAYE plan currently meaning the government is covering the interest. Therefore this money was wasted.

I have spoken with various employees of MOHELA numerous times over the last XXXX  months in regards to both of these situations and every time they tell me the conversation is documented in my file. If that is the case my story should line up completely with their documents. But, I have a feeling they wont be documented as every time I call no one knows what I am talking about. MOHELA is a complete scam and I would like to switch loan servicers as they only want to take my money. They are not there to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account several times with the credit reporting agency. 
XXXX is the only credit reporting agency that still has this account documented. 
my credit report is supposed to be fair & equitable to me as a consumer, this account Is listed as a charge off and has been written of but still shows a past due balance and amount owed. NOTATIONS DO NOT INDICATE THE BALANCED OWED IS XXXX Section 623 ( a ) ( 5 ) of the FCRA STATES THAT A CONSUMER AGENCY SHALL NOT REPORT ANY ACCOUNT THAT REFLECTS A CHARGE OFF. 

THE CREDITOR HAS SOLD THE DEBT TO A COLLECTION AGENCY.I DO NOT HAVE A BINDING AGREEMENT WITH THIS AGENCY.A CHARGE OF ACCOUNT CAN ONLY STAY ON THE REPORT FOR SEVEN YEARS FROM THE FIRST MISSED OR LATE PAYMENT WHICH WAS LISTED AS XXXX XXXX.EVERYTIME THIS ACCOUNT WAS DISPUTED INFORMATIONNWAS ALTRED.ONLY XXXX HAS FAILED TO VERIFY THIS INFORMATION CORRECTLY

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 explanation
Consumer complaint received 2023-11-14
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/ CashApp service goes down and when it came back up and I logged on my account was closed with a broad statement claiming I violated the terms and services agreement. However I had done nothing to warrant the closure or statement. Since then I have tried to appeal the closure and have been getting run around on getting my account opened. It wasn't until I filed a XXXX complaint on XX/XX/XXXX that I finally got some sort of motion with email contact from a representative. However it ended up just being a run around with the same ambiguous statement with no proof of me violating the terms and services agreement and that because they closed my account it can't be reopened. They are blatantly lying. The attached photos was the end result of the email communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card along with other items were stolen from my house by an individual that I know. I filed a police report and got a restraining order because he admitted to stealing my stuff thru text and via phone and started making threats when he refused to return the items after I told him I was going to the police. The bank closed my dispute and stated that the transactions were authorized when I have proof that it wasnt. The bank stated that the transactions were authorized because a valid pin was used however my old pin is a pin that I use for everything ( phone lock, voicemail, debit cards, ebt card etc ) because it has a meaning behind it. The transactions were not authorized and I feel as though this is unfair to suggest it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX XXXX - I never authorized t

his inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Credit Corp Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my XXXX app and found that theres a collection on there for almost {$14000.00} and I did not know the original creditor or anybody involved in that transaction that debt is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Loan was with XXXX XXXX then transferred for servicing to NewRez LLC, per the letter I received I was to receive new account info directly from NewRez LLC within 15 days. I have yet to receive any info from NewRez LLC the phone number listed on the letter from XXXX and on their website is XXXX. The phone does not ring, unable to create an account on their website without the phone number. This is going to cause me to pay my mortgage late and likely cause them to add fraudulent fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MS
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 non-monetary relief
Consumer complaint received 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXXXXXX XXXX Account # XXXX Date Opened : 2 DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXXXXXX  on Transunion XXXX But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with 2 Different Dates.

Date of Last Activity : 2 DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXXXXXX  on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with 2 Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last two years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXXXXXX XXXX IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX XXXX A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-15
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
We hereby file a complaint against WISE for their actions. 
The facts : We opened a multi-currency bank account for our company with WISE in XXXX. 
WISE closed our company 's accounts, which would have been lawful if they had acted in a professional manner, respecting their client 's rights and business, i.e. all the legal rules incumbent on financial intermediaries. 

In fact, this closure was carried out suddenly, without any reason, without any notification, and without any notice period, disrupting the business activity of our company. 

Overnight, we were denied online access. Having received no prior notice from WISE, we estimate the closing date to be around the end of XX/XX/XXXX. 

What's more, since our access has been totally blocked, WISE has prevented us from retrieving a summary of our financial accounts for XXXX and the year-end, so that we can take copies and print them out for our auditors. As a result, we are now unable to justify our accounts, with the corollary of unjustified requests for payment to customers and major reporting problems. 
Since this closure and despite our requests, email contacts, complaints, and formal notices, WISE has implicitly : 1/ refused to return our assets 2/ refused to provide the data they are obliged to communicate to us, i.e. the account statements requested ( for the years XXXX and XXXX up to the date of closure of the accounts, then liquidation ). 

In the absence of a solution and fed up with their procrastination ( contacts with WISE 's COMPLAINT department have gone unanswered, WISE has twice failed to meet their own deadlines for supposedly dealing with problems- which ones? ), we are forced to lodge a complaint against WISE for misappropriation of funds and improper retention of our financial data, this type of behavior being clearly contrary to the obligations that WISE or its parent company entered into with your organization to obtain their license. 

We request your intervention as the supervisory body for this financial company, and we would like you to take the following appropriate coercive measures against WISE : - restitution of our assets with interest due, - a summons to deliver the statements of financial accounts requested, with a daily penalty of XXXX USD per day, - a disciplinary indemnity of XXXX USD in our favor for failure to comply with their financial obligations and improper retention/or breach of trust, - plus appropriate administrative sanctions for WISE 's failure to comply with their license.

Company response to consumer: Closed with explanation