BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX Delaware XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. Also I attached copy from credit bureaus so you can see that nothing matches, Last balance update is different, minimum payment is different in each bureaus, date open different as well. 
THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTS AS LONG AS THE INFORMATION IS INCORRECT. 

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 2023-02-15
Company: Ingo Money, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went to go cash a check through Ingo money, using XXXX. Everything went smoothly for the first check. I proceeded to cash another check subsequently because the first one had went through, and it was declined. I called customer support to figure out why it was declined, to see if something had been done wrong and they told me that it was missing the year and to resubmit the same check again. I resubmit the same check I'm afraid to get declined again. I call customer support for them to tell me that they have informed their authentications Department of an incoming check, and a customer support told me to put the check through again in a few hours. I waited a few hours, and did so again where it declined. After calling customer support a third time, and let them know about the situation, they tell me that to try a brand new check into submit that again. At this point, going back to the same person and asking them for a third check made me look fishy, and made me embarrassed to even do this because they did not have a bank where I could cash it at so I was forced to use mobile deposits. It declined, and I called customer support again a fourth time, where they told me they would talk to verifications and let them know of another check coming through, and to try again in 24 hours where I proceeded to do so. Shortly after I waited the 24 hours and submitted the check, it declined once more and I was promptly barred from the service. This is absolutely outstanding that they would even do something like this, telling me to do all these verification checks, take no accountability with their customer service, and the fact that so many financial institutions use Ingo Money leaves me with no choice. There is virtually no service that I can use online for mobile check cashing that doesn't go through Ingo Money. They even recommended to go use XXXX XXXX or XXXX but XXXX XXXX  doesn't offer that service to everybody. Also hilarious that XXXX uses Ingo money, so the customer service representative basically did everything in their power to XXXX me out of the service, making a fool out of me, and making it impossible for me to ever use mobile check cashing again. I had to wait literally over a week for that check to clear, which was an embarrassing situation and put me in a bad spot because I was expecting that money and the client was also expecting the money to be taken out of their Bank promptly and not an entire week later, especially after writing five or six different checks, making me look like I was a fraudster. This whole situation was embarrassing, humiliating, and stupefying as to why they take no responsibility for the customer service representative telling me to do all these things, and then proceeding to disallow me from their service when I have completely legitimate checks to cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
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: Personal information incorrect

Complaint:
A new address was added to my credit report which it doesn't belong to me. 
. The incorrect address is : XXXX XXXX XXXX XXXX XXXX, FL 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 I am filing this complaint for falsely reporting misleading information. There is no 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2024-01-03
Company: NORTHWEST BANCSHARES INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am a victim of fraud by someone who used a fake XXXX account to sell tickets to XXXX XXXX in XXXX. I used XXXX through my Northwest Bank account. I do understand I agreed to the transactions, but only before I found out I was being scammed. I sent {$1200.00} total and filed a police report with XXXX XXXX XXXX XXXX. I immediately contacted Northwest Bank and filed a dispute. Northwest has denied my dispute and I contacted XXXX directly they would not reimburse. This was a complete scam and the money was sent to someone who I thought I knew and turns out she was hacked and wasn't aware of this. The dates and amounts I sent via XXXX to a XXXX XXXX are as follows : XX/XX/2023 {$100.00} XX/XX/2023 {$100.00} XX/XX/2023 {$600.00} XX/XX/2023 {$100.00} XX/XX/2023 {$300.00} After the last transaction I didn't receive the tickets, which the person sent a screen shot of them. I reached out several times and called directly and she had no idea she was hacked and that someone was using her hacked profile to sell concert tickets. This has been an eye opening experience into the fraud that happens online. The police said there is not a likely chance they will be brought to justice. It very upsetting this has happened to me. Thank you for looking into this for me. It is greatly appreciated.

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 2023-01-22
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I received a letter from Georgia Mortgage assistant that I will need to have SLS sign a Workout Agreement to be considered for Partial Reinstatement. I emailed the letter to SLS on Tuesday, XX/XX/XXXX to XXXX. I spoke with XXXX XXXX number XXXX, he stated they received the letter and transferred me to the loss mitigation team. I spoke with XXXX and I told him I would complete a request for Mortgage Assistance. The Mortgage Assistant application, workout agreement and other supporting documentation was sent on received on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, HUD counselor XXXX XXXX and I spoke with XXXX, SLS representative concerning documentation received from Georgia Mortgage Assistance for Partial HAF Agreement to loss mitigation department. I informed him that I completed an application for Request for Mortgage Assistance on XX/XX/XXXX and I must have the Loss Mitigation Manager complete the Partial HAF Mortgage Agreement to be considered for HAF Assistance. The letter states they will pay {$50000.00} ; however, SLS will have to sign the agreement for the remaining balance of {$16000.00}. He stated he could not transfer me to the manager because they were busy with other applicants. He also stated I was denied the loan modification because of the amount of {$65000.00}. I informed him that if SLS signs the workout agreement that will help me stay in my home because I received a letter from SLS and attorney that the have stated the foreclosure process. He attempted to transfer us to the department and also gave us telephone number XXXX to call if we get disconnected. I left message and have not received a call back. I have been attempted to get a modification from this organization since XX/XX/XXXX. It seems as if they do not want to assist me in the reinstatement of my home. I lost my job with XXXX on XX/XX/XXXX. As I stated to SLS, I would like to stay in my home. The main reason that caused me to be late on my home is loss of job and income. XX/XX/XXXX, I found new employment. In XXXX, XXXX XXXX XXXX, certified HUD counselor, called on my behalf to speak with SLS and he was informed that I was denied modification because I defaulted on a modification. This is untrue. On XX/XX/XXXX, I spoke with XXXX, and she stated they were unable to provide modification because they could not apply the amount owed onto the back of the loan and it was nowhere SLS can put the monies owed. Also, XXXX stated I had a loan modification in XXXX and XXXX. I have made payments to SLS until XX/XX/XXXX ; however, they state I owe for XXXX. I feel my account has been mishandled by SLS. Georgia Mortgage Assistance is willing to assist with getting me back on track with my mortgage ; however, SLS is stalling. Please assist me with this matter. I do not want to loose my home.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: OH
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:
The account XXXX is incorrect on all XXXX credit bureaus. Upon reviewing the report today XXXX I notice that the information is still incorrect. I am asking that this account be removed from my credit report for the information shown 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 2022-11-17
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC Bank and Mortgage Service Account XXXX Joint account : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX We opened the mortgage in XX/XX/XXXX as part of a refinance. The loan was paid off in full by per PCN, but they then added a penalty fee of over {$900.00} dollars to the balance. They have ruined my credit report and continue to do so. We have called them numerous times with no resolution. We need to physically go to the PCN branch, but we can not afford to take time off to address their billing errors. According to MGL Sect 56 and Sect 57 Chapeter 183, PCN are unlawful in their actions. 
XX/XX/XXXX -Amount owed was XXXX We paid {$1500.00} The balance should be {$190.00}, but it was not. PCN hit our credit with a Past Due notice of $ XXXXeven though we just paid them {$1500.00} XXXX We paid PCN {$790.00}. We were notified our account was " Paid in Full '' after this payment. But then, PCN added an additional {$900.00} to our account, after we were told it was paid in full. They told us it was a penalty for early payment. But, the loan was not paid early, it was paid over the course of 15-years. We continue to try to work with PCN but they neglect to respond to our calls or letters. Our credit scores are constantly being effected by these illegal charges. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00}

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 2023-01-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX  Account off of my credit report since XXXX. This charge off/collections account dropped my XXXX XXXX over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX updated it XX/XX/XXXX. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX XXXX has yet to update this for me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Incomm Holdings Inc.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought XXXX XXXX XXXX  prepaid XXXX  from XXXX in XXXX , XXXX  on XX/XX/2022 in the amount of {$50.00} each, and charged {$4.00} for each card. I sent XXXX of the cards, the one that I'm writing this complaint about, to a family member in XXXX. After activating the card, he went to use the card for the first time, and it said the balance was {$.00} ( XXXX cents ). After trying to look the card up on the XXXX XXXX website, it said the card was invalid and call customer service. After being told by XXXX, the initial rep on the phone that she needed my full name and information to look up the prepaid card, which has no name associated to it, and that she wouldn't take the rest of the card info and see what the problem with the card was, WITHOUT my full name and info, I conveyed my frustration of not wanting to give my full name until we found out why the card said invalid. She refused to continue, so I asked for a supervisor. The supervisor finally got on the line and started to help me. She took the card info, WITH only taking my first name and said the card had been used to make XXXX purchases at a computer store in XXXX  for {$43.00} and {$5.00}. They said they wouldn't file a dispute without intrusive personal information that is not necessary to the situation. As I was talking about me giving verbal permission on this call to start a dispute, since the calls recorded, the call was disconnected, they hung up on me. So here I am. They were NOT willing to help me without unnecessary personal information. They were rude. When I asked for a ref # or customer service ID #, she said there wasn't XXXX. I expressed disbelief that only a first name oh XXXX is my reference to the call for future conversations. She eventually pulled a reference number out of the air it seemed, as I repeatedly asked for some kind of reference number. Reference # XXXX was given. I'm out the {$50.00} and {$4.00} fee for purchasing the card. My family member had to wait longer for me to send them another XXXX gift since the card info was somehow stolen before I purchased it. This is ridiculous to be treated in such a manner. I just want the money I spent on this prepaid card. That is what they owe me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
The following consumer reporting agency is furnishing inaccurate information and accounts. Please remove the inaccurate information and accounts immediately.

Company response to consumer: Closed with explanation