BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
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: Reporting company used your report improperly

Complaint:
XX/XX/2022 mXXXX XXXX XXXX XXXX  credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.

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 2023-12-20
Company: U.S. BANCORP
State: OK
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:
I sent them a document rescinding any and all authorization they may have had to share my personal and private information per 15 USC 6802

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} XXXX XXXX  Balance : {$5000.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to formally dispute and seek resolution for inaccuracies on my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, but to date, I have not received a response. The following are the details of the inaccurate information and the required corrections : XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Discrepancy : I disagree with the reported balance of {$5200.00}, as I recall the amount being lower. I kindly request that TransUnion reviews and corrects this discrepancy. Additionally, I request the removal of the XXXX XXXX amount, as this account is closed and charged-off. To prevent adverse effects on my credit score, I urge you to mark this account as disputed. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$120.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$58.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2600.00} Issue : This account is not mine. Please remove it 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have an account that is not mine on my Transunion that shows as a collection. When it is fact not mine. I never opened up this loan and I never received any money.

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 2019-05-07
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
In XX/XX/2018 I opened an online checking account with Key bank. Some how my correct address did not get registered, but I did not know that. I received an email that same day confirming that my account was opened, but the email didn't contain my account number. I waited for my first statement, which I never received because of the incorrect address. After a few months ( my fault for waiting so long ) I chatted with Key to inquire about my account, but they couldn't help me and said I had to call them. I called and the person told me that my statements were being returned, but she couldn't give me my account number over the phone and that I would have to go into a branch to resolve the matter. When I went into the branch I was able to correct my address and get my account number. When I got online access to my account I saw a large number of fees, inactivity fees, paper statement fees, returned statement fees, maintenance fees. They are clearly trying to extract as much money in fees from their new customers as possible. So I transfer the remaining money and tried to close the account. I was told that I could not close the account because of a recent address change. I waited the specific time and then tried to close the account, but by then I had a negative balance and was told that i could not close the account becaue I had a negative balance. I asked to speak to a supervisor and he said he would refund the latest fee to bring the balance to zero and then close the account a few days later once the refund is no longer pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10
Company: United Shore Financial Services, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I am working with United Wholesale Mortgage ( UWM ). For the past month I have been attempting to make a payment to recast my loan. It took several weeks for UWM to mail me wiring details but that was finally received. Ten days ago I wired the funds to perform the recast but have now received no response from UWM on next steps. They are now holding my funds but not performing the recast or sending any additional instructions. Today, we received a letter in the mail from them again explaining how to wire funds to them, which we did ten days ago. I dont know if they are clueless, incompetent, or just are refusing to perform the recast.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Reporting company used your report improperly

Complaint:
XX/XX/2022 my XXXX XXXXXXXX XXXX credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions 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: 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 an update 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 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 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 explanation
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Credit limit not being restored after payment of entire balance. 

On XX/XX/ Wells Fargo received an electronic payment for the balance of the card of {$2000.00}. 
On XX/XX/2023 the balance was credited as {$0.00} correctly with the payment, but my credit limit remained at {$0.00}. I called WF and was told that the payment had yet to be verified at the phone number XXXX for the financial institution being utilized ( XXXX XXXX XXXX XXXX ). They stated that they would have accounting follow up by having them email me and therefore send in my own banking statement that would indicate my payment and verify it myself that way. ( I never did get such an email and have searched my account using " Wells Fargo '' with only promotional items or notifications about payments appearing ; additionally I called the phone number they claimed and immediately got a human on a Sunday who did verify that the payment was indicated as a completed transaction ). 
On XXXX  the credit limit still reflected {$0.00} even though the payment was still indicated and so I called again. This time I was told that there was a 30 day hold without a reason given. I asked about any additional fees including interest or other based on their holding the money but not releasing the credit, and they said that there would not be. The hold should be released XX/XX/XXXX. 

My concern is that they are not transparent nor can they refer to any regulation or even policy that would apply to this action. Further, they are holding my mortgage and therefore I have concerns about them breaking policies in regard to that agreement. My mortgage did not originate with them but instead through a credit union who unfortunately sold it to them.

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 2017-04-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had mailed XXXX checks, dated XX/XX/XXXX, for my house payment and the {$.00} claiming that I was short of XXXX cents. 
The checks are # XXXX {$240.00} house payment and check # XXXX for {$.00} cents. I contacted a male rep and indicated that both checks were not in the system. 
This servicer has been problematic since, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to bring to your attention the ongoing difficulties I have encountered in my numerous attempts to rectify fraudulent items on my credit report. Despite repeated efforts to address this issue, the fraudulent entries persist, causing substantial harm to my creditworthiness and financial well-being. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries. 

Despite my diligent efforts, the fraudulent items persist on my credit report, causing unwarranted financial stress and potential harm to my personal and professional life. I am aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors. 

I kindly request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to address and rectify the situation. 

Should my concerns remain unaddressed within the specified timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.

Please note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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