BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mortgage loan on XX/XX/23 and approved 1 organization to pull my credit. Because the credit bureaus sells consumers personal information, I've received over 100 calls from mortgage lenders over a 24 hour period XXXX along with text messages and emails. I use my phone for business and was overwhelmed by the amount of calls that came on my cell phone that I did not give permission to call me. It's an extreme intrusion of privacy and ridiculous of the amount of calls that came in. Of all the business that should not sell our information are the credit bureaus. They are contributing to risk of fraud and identity theft just by selling all of or information to lending predators. The calls continues day two after a full day of harassments. 

I have not taken any action against the lenders because there are far too many to keep track of.

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 2023-02-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on co

nsumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper
procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX and 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
From : XXXX XXXX to Trans Union 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX 4. XXXX XXXX XXXX  # XXXX ( this just appeared, thus account was never reporting on my Trans Union prior to XX/XX/. Please remove and delete. 
I have formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX card was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ATTACHMENTS

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 2022-05-12
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2020, a hard inquiry was made on my credit report by SYNCB/PAYPAL ( BANK ). I do not have any credit card or debi tcard with that company. I reached out to the company via telephone and the representive told me that there is no account associated to my name and social security number. This hard inquiry is reported on all 3 credit bureaus. I dont have a reference number or account number for this account and there is NONE with my name or social security number. I did not authorize anyone to open or use my information regarding this suspicious activity. i have no knowledge of this activity.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a reporting agency can not furnish an 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 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 reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.

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 2022-05-12
Company: EQUIFAX, INC.
State: VA
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 : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 15 USC 1681.

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 inructions 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 non-monetary relief
Consumer complaint received 2017-02-10
Company: Netspend Corporation
State: DC
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
I have a multitude of problems with my current prepaid provider, Netspend. 

I have not been able to access my funds in 2 days. It started in my attempt to open a new checking account with XXXX XXXX XXXX who explained do to a low score I could not open a checking account with them. I have an old savings account that I can access and use that so I went in to my current Netspend account and I noticed a different email instead of mine. I attempted to call. I could not be helped since their recovery department was closed. I was told to call back the next day. 

Yesterday I received an unauthorized {$50.00} debit hold on my card. I attempted to log in to my account to see what is going on and my account was locked. I could not access any of my information. I called and again because their recovery department was closed I could not be helped. I was told I have to wait until the morning. I asked to speak to the manager and was put on hold for 20 minutes. 

I again attempted to sign in today with another locked account notification. I have not been reached out to by email/text or phone call to be assisted with this issue. 

I have noticed last year around XXXX and XXXX I was receiving texts of amounts that did not add up because this is my main banking tool I use it for tips and other things. I thought this could be the case in the missing money. As I started to monitor more closely this has not been as much of an issue. I assumed maybe this is hidden fees or whatever the case maybe and have vowed to get out of this ridiculous banking system. 

I have dealt with issues with them in the past from no access to my funds for XXXX10 business days after my card being stolen to ridiculous fees to transfer money during this time I had to wait. after I had to buy another card. 

When I bought this card now I can not transfer to this card because they said it is not possible due to their system. it is XXXX to transfer EVERYTIME! 

At this point this establishment has cost me hundreds of dollars. I would like to have an itemized transcript of my account so that I can rectify any issues and be sure that I am not yet again being taken advantage of as a customer and my money back. 

I was also told that it will take XXXX8 weeks to receive my money in the mail if I close my account with them. for this reason I have held on but I can no longer continue to be abused by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an health savings account with XXXX XXXX that is being charged a large monthly fee that was never disclosed to me. XXXX claims that I have a service agreement, but I never signed off and agreed to this. In fact when I left my employer, they informed me that there was no fee on my account. 

To continue collecting this fee, XXXX XXXX has made it very difficult for me to get repaid for my medical expenses. They have denied itemized bills and insurance bills. They have also NOT sent me a debit card to make it more difficult to access to my funds. 

I spoke with XXXX XXXX on XX/XX/XXXX about getting repaid for the fees and asked them about the debit card. They refused to pay me back the full amount of the fees, {$150.00}, and didn't offer to send me a debit card, even though the manager, XXXX, agreed that I have not used my account as XXXX XXXX has made it difficult for me to access my funds. I didn't even receive a XXXX tax document because I have not had access to my account. I don't know why I am even being charged a fee as no custodian services are being done that I should have received ( i.e. the debit card and approval of my medical expenses )? I can not move this account either, and feel that I am stuck. 

Is this the new level of American fraud and greed? Why is the US Government pushing health savings accounts, especially with these unscrupulous banks. When I asked XXXX XXXX why they are doing this, the manager, XXXX, replied it is because they are " for profit. '' So, making it difficult for me to access my hard earned money so you can charge me a monthly fee is not fraud? Especially, when you didn't even inform me about his fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have requested that Experian provide physical proof for them reporting my XXXX ACCOUNT as late as noted below. I have contacted them several times and they refuse to provide proof. They simply say they contacted the account holder and they verified the account. Funny thing is that I reached out to XXXX and they could not show where I had been late at anytime. That the loans have been in deferment status. So Experian is up to their old habits of falsely reporting information that can not be documented or verified under section 609 of the FCRA. I am asking that they either send me physical proof that I was late, or update the account as paid as agreed and take it out of a negative status. I am asking that their statement be removed or updated to show that I do not disagree but the statement needs to say this " Customer asked for verification, we can not provide the verification that is requested so we will list this as negative anyway to simply hurt the client '' I think that statement is fair and accurate. 
Account History : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Your Statement : Completed investigation of FCRA dispute - consumer disagrees.

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 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX XXXX Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Stated debt was opened on XX/XX/1991. I was XXXX and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.

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 2023-10-18
Company: First Technology Federal Credit Union
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I moved to XXXX  from XXXX XXXX XXXX  in XXXX and bought my condo in XX/XX/XXXX. I did not have furniture or furnishings. 
The bank send an email that " because I was such a good customer '' they were raising my credit limit to {$30000.00}. They did not mention that they also doubled the interest rate. 
I bought furniture and furnishings ( I was working making at least {$80000.00} per year and thought I could easily pay off this amount ). 
I was laid off in XX/XX/XXXX. I was not able to find another job. I made an inventory of what I owed and expenses ( I consulted a credit counselor ). 
I had XXXX credit cards besides this large one with about {$12000.00} altogether. The other XXXX credit cards had hardship programs where they lowered the interest rate and the payment. I have paid off all those credit cards. 
I phoned the bank but they would not offer me any help. I owed interest of about {$500.00} a month. I paid the minimum payment ( almost {$600.00} ) and used the card only in an emergency. 
I paid almost {$600.00} a month for XXXX years. I figure I paid as much as I had borrowed ( about {$37000.00} ). 
I had gotten many calls offering to negotiate my debt but I did not do that - it seemed sort of dishonest- But after I figured I had paid {$37000.00} without making a dent in the debt, I did contract with one of them. They told me to stop paying on the credit card and they would negotiate the debt. I paid them {$400.00} a month instead. 
They told me there would be a hit on my credit rating " for a couple of months. '' They forgot to tell me that they would not even negotiate until I had paid them at least XXXX of what I owed ( or about {$15000.00} ). That would take about 5 years. 
I also learned that the negotiated debt would stay on my credit report for seven years. The debt from not paying the card has already lowered my credit score by about 200 points. 
When I was working I worked for the same company as the XXXX XXXX XXXX. I had to take their required classes. One class was called " Predatory Lending. '' One of the scenarios looked sort of familiar. Basically it said they targeted old peopld ( I am XXXX now ) on fixed incomes and raised their credit limits a lot while also raising the interest rates, then refusing to let them out of the loan. I think what they did to me was predatory lending.

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