BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: 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. 

Account name : XXXX. # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : 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 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 2019-08-07
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a statement from citi/COSTCO : XXXX Statement : Minimum payment due : XXXX Balance as of XX/XX/19 XXXX Account is past due my name/address NO ACCOUNT NUMBER I DO NOT WON this credit card, nor have I ever authorized its use. 
I called 4 different phone numbers ( account assistance ) ... .no options since I had to include my account number. Also asked for phone number or SS number. Foolishly I gave the SS number. Finally had to call 'technical support ' to talk w/live individual ( i guess ). When she asked about 'which ' citi credit card I was having an issue with, her she said 'costco ' ? Transferred to another rep. He wanted all vital info ... dob/ss/phone etc. I disputed providing this information over the phone. He said, 'but you called me ', like that made an already illegitimate fraud legitimate. I said I was going to report fraud ; he put me on hold ; then came back on and said he had 'their fraud ' person on hold and was going to transfer me to her ... .so I could make a complaint.

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 2022-11-30
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-08-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a house in XX/XX/2019. We have an escrow on our mortgage account despite we put more than 20 % down. Our property tax is {$78.00} a month. Our mortgage company collects {$390.00} a month from us. The money we paid excessively in XX/XX/2019 was not refunded yet. I made an inquiry for escrow analysis, no respond. I told them we are struggling to pay our mortgage because of the pandemic. We lost our second income. Do they have a right to collect excessive amount of property tax from us? Do they use the money all year for their own benefit? We want to receive our excessive escrow ASAP and have them stop collecting escrow from us.

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 2022-12-20
Company: EQUIFAX, INC.
State: MS
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 a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Current failed to honor their published offer of {$50.00} referral bonus to the referee and referred. I opened a checking account XX/XX/XXXX and received a {$50.00} referral bonus XX/XX/XXXX after meeting the requirement of receiving a {$200.00} direct deposit XX/XX/XXXX. The same week, I referred my daughter XXXX XXXX XXXX ) and fianc ' ( XXXX XXXX ) and assisted them both with the account set up to ensure my referral link was captured in the application process and their direct deposit requirement were met by XX/XX/XXXX After more than 4 weeks of neither of us receiving the {$50.00} referral bonus, i contacted Current to inquire via chat as they are an online bank, and after providing my referral names and details, I was told by a customer service rep, my account reflected the referrals btu she could not resolve without chatting directly with my 2 referrals to verify direct deposits. I then, while in that chat, had my daughter initiate a chat and spoke with someone who confirmed we were to receive {$50.00} bonus but we needed to give more time for processing. 

About 3 weeks later, after still not receiving bonus, in early XXXX, I contacted Current again and was told that they could not help without speaking to my daughter. Frustrated with their failure to resolve, I requested a member of management and provide name SSN and birthdates of my referrals and it was confirmed the direct deposits were received and an investigation was submitted with someone to respond to me within 48hrs, A couple days later, I received a short message from someone claiming to be a manager advising, contrary to what we'd been told by previous reps, the referral would not be paid because my referral link was not used during their account opening. I knew with all surety this was not true as i was apart of the set up process ... .and to test my theory of their deceitful practices, I then referred one more person ( A. XXXX XXXX XXXX and again assisted her with account set to ensure referral link was used. Her direct deposit was received XX/XX/XXXX and I emailed the responding manager, to advise that I referred a 3rd person and had not received bonus and suggested they investigate a possible system glitch/error. Without soliciting the name or other details for the 3rd referral to verify my assertion, she responded that we were not eligible for the bonus as the referral link was not used. This company is deceitful in their practices and did not honor the {$150.00} due to me for 3 referrals, nor the {$50.00} to each referred. If not resolved, we will all be closing our accounts and referring no one else to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/2023 an account was opened in my name without my permission with XXXX XXXX  i never applied for this account and never used this account. it was opened fraudulently i called the company and they said its in there system so i had to pay account number XXXX the amount {$430.00}

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 2022-07-24
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A debt collector contacted me for a debt from credit card companies that I do not owe due to identity theft and I told them do not contact me anymore for this debt. This debt company decided to be more resilient by contacting and sending someone to my place of work with no success. They also came to my home knocking at my door several times when I was not home and then ask my neighbor if she can signed a paper on my behalf since I was not home. My neighbor refused and notified me by phone. This is a violation and trespassing at my home and place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Discover Student Loans is ceasing disaster relief options for private student loans mid-pandemic with no other options available starting XX/XX/XXXX. Shame on them! Please help spread the word as they are unwilling to offer any help. I am XXXX  and now unemployed due to the pandemic. I haven't received any UI or a stimulus check or was able to qualify for a SBA but they insist on charging me interest on my loan which will be about $ XXXX per month and will decimate my credit standing and drag me into further debt. I have had this loan for 13 years and am in exceptional payment standing. They are still unwilling to offer any relief options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRUSTMARK CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was selling my car back in XX/XX/2019. I got contacted by a party and they sent me a check of XXXX $ to book the car since they were travelling from XXXX  to XXXX  and wanted the car. I deposited the same in my XXXX  XXXX XXXX account. 

In a couple of days i was approached again and was informed due to some personal set backs they cant make the trip at that time. I was offered to keep XXXX $ token money back and return the remaining XXXX XXXX 

Hearing to the set back story I decided to do the same. Once that transfer was done, the next day check bounced and i was charged for over draft as well along with the XXXX gone from my account. 

The mobile number which i was contacted from and have the entire chat along with check pic was XXXX XXXX Kindly help me with this. Thanks in advance.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: LA
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 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 2020-08-21
Company: UMB FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
UMB bank first approved my application ( XX/XX/2020 ) for the checking account with the promotion offer, but later on locked my account with no reason. I already transferred {$600.00} into my UMB checking account, and the lock makes it impossible to access my cash in the UMB account. The online rep is extremely rude and told me there is nothing they can do. 

My name : XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX XXXX : XXXX Checking account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: LA
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:
Previously, I made an investigation about this account with incorrect information and after checking your response, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : 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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Inaccuracy not being updated, reporting my full s.s. number and violating my right to privacy. There should be a signed letter by me stated it's ok to share my personal information.

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 2022-07-24
Company: Experian Information Solutions Inc.
State: MS
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 following accounts are violating my rights. 

XXXX XXXX XXXX. Balance on XX/XX/2022 {$1100.00} 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 authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Collector : XXXX XXXX XXXX  Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$950.00} Collector : XXXX & XXXX Account Number : XXXX Balance : {$220.00} Collector : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$3900.00} and {$6100.00} This is a formal complaint against the three credit bureaus ( XXXX, XXXX, and TransUnion ). I'm on my fourth dispute letter and I have not received any updates or changes to my credit report. I have pulled my credit report again today and all I see on these accounts I have mentioned above are inconsistent and incorrect information being reported such as the date of last activity reporting on different months which is troubling to me. There can't be three separate payments made on a single account for sure.. It's either the account is verified through multiple sources or creditors which is impossible and not acceptable or the bureaus did not do their job of conducting a reasonable investigation and reaching out to the original creditors of the account to validate the reporting. 

I have attached copies of the letters I have sent to the credit bureaus and collectors as your reference.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Transunion was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by 77 points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. Transunion needs to act immediately and remove the negative mark on my credit file and my husbands.

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 2020-09-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
XX/XX/XXXX Found & disputed open " Line of Credit '' Account ( " XXXX '' ) w/BB & T on XXXX   XX/XX/XXXX XXXX reported ( Report # XXXX ) " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX Called BB & T Branch I formerly ( XXXX ) had relationship with @ XXXX XXXX XXXX, XXXX, VA XXXX ; spoke to XXXX XXXX who knows me well ; explained that BB & T was showing me with an open account & asked that that be corrected ; she advised that she would 'have to check with her manager. ' XX/XX/XXXX Sent letter to " Bank Manager '' at above address confirming my conversation w.Ms. XXXX and again explaining the problem w/copy of XXXX report & copy of BB & T " New Account Opening '' form showing " Account Options/Overdraft Protection Provided by XXXX '' XX/XX/XXXX. Requested that all 3 Credit agencies be advised that the account was Not active. 
XX/XX/XXXX XXXX continues to show this as an active account, and I have had no response from BB & T. All documents mentioned above can be provided.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed this collection account, and they agreed to cease collection efforts and report to the three collection agencies. However, this collection is still on my credit report, and it needs to be removed. The account is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct No. XXXX 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.

XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: MS
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 following accounts are violating my rights. 

XXXX XXXX XXXX. Balance on XX/XX/2022 {$1100.00} 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 authorization.

Company response to consumer: Closed with explanation