BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ftc violations XXXX : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX XXXX XXXX XXXX XXXX XXXX was sued by the XXXX   XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XX/XX/2017 data breach, ... 
XXXX XXXX XXXX XXXX XX/XX/XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.

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: Experian Information Solutions 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 XXXX XXXX XXXXXXXX 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 2023-03-08
Company: RUOFF MORTGAGE
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was on a repayment plan with Ruoff Mortgage. Repayment plan started XX/XX/XXXX and ended XX/XX/XXXX payments were in the amount of {$1000.00} each month. Each payment cleared our bank account : XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX, XX/XX/XXXX payment clear date XX/XX/XXXX. At this point all repayments are made. I then received a letter dated XX/XX/XXXX stating my loan is delinquent. On XX/XX/XXXX I called XXXX XXXX XXXX was informed my account was 2 months behind. XXXX XXXX I sent an email to XXXX my loan officer asking for help, I included my payment history and proof from bank. This request was forwarded to Ruoffs Service Loan Care Department, I spoke with XXXX at XXXX XXXX XXXX he tried to assist me for almost 6 weeks. He also was unable to obtain assistance from Ruoff Service center - XXXX. XXXX XXXX XXXX. XX/XX/XXXX I called XXXX spoke with XXXX he agreed payments had been made after review of my documentation. He was sending emails to the department that completed my repayment plan and to payment repayment review. I was to receive a follow up call XX/XX/XXXX. As of XX/XX/XXXX I had not received a return call. I have called XX/XX/XXXX spoke with employee # XXXX verified payments made but no changes to account and no new notes on file. XX/XX/XXXX I called spoke with XXXX XXXX no new updates on account. XX/XX/XXXX spoke with XXXX XXXX no new notes on account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Basically, Citibank wrongly double-charged me for a {$100.00} payment that I had already made and I still today do not have access to that {$100.00} and have just incurred a late fee for being unable to pay a separate bill on time due to Citibank 's error and their failure to refund me ( or to even give me access to an additional {$100.00} credit on my account on which I could have taken a cash advance on to pay my other bill ). They've drained multiple hours of my time and energy by wrongly withholding money that I needed to stay financially afloat ; they've caused me financial distress and have wasted my time and money. 

On XX/XX/XXXXXXXX I agreed to a payment plan with Citibank ( over the phone ) to pay down my credit card debt {$100.00} per month for the next 6 months starting with the first payment on XX/XX/XXXX ; an automatic payment was scheduled. 

At XXXX on XX/XX/XXXX, I called Citibank to inform them that I hadn't yet gathered the {$100.00} for the scheduled automatic payment and that I would instead need to make a manual payment myself later in the day the representative replied that that would not be a problem as long as I paid before midnight. I called again at XXXX confirming that I would be making a manual payment shortly ; I did my due diligence in communicating how and when I would be able to pay. At XXXX, I made a manual online payment of {$100.00} and the payment posted On XX/XX/XXXX, Citibank withdrew {$100.00} from my XXXX checking account ending in XXXX. 

On XXXX, Citibank erroneously double charged the same account and withdrew another {$100.00}. Upon learning this, I immediately called Citibank and informed them of their mistake and requested an expedited {$100.00} refund to my account so that I would be able to pay a separate bill and avoid a {$36.00} late fee. 

On XXXX, I called Citibank requesting an update for the refund so that I would be able to fulfill my payment to my other credit card ; no luck. 

On XXXX, I incurred a {$36.00} late fee from another bank as Citibank failed to refund what they erroneously took from me I still don't have access to the 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 explanation
Consumer complaint received 2019-07-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
CIT Bank charged me $ XXXX for closing a CD ( 3 month interest fee ). They DID NOT notify me that my CD is expiring. The company claim that they send a mail but I never received it and never received any email either. The CD expire around XX/XX/2019 and today is XX/XX/2019. They say they are required to send notification but I never get any notification that my CD is expiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive made previous complaints with you about this XXXX XXXX account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT charge off this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violating 15 USC 1681e ( b ). This is fraud at its finest and I DEMAND this account be removed from my credit report immediately!! 
XXXX XXXX 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 explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, 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've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: OPTUM BANK, INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2021 I went on the online portal of Optum Bank who administered my then XXXX with XXXX XXXX. Through the portal I made a payment of {$45000.00} to a medical provider. This transfer is showing on my XX/XX/2021 statement, but it never arrived at my providers office. They have been very patient, but my account is about to go into collections now, if I can not prove that I made the payment. 
I have called and emailed Optum Bank multiple times, and they always assured me that the payment had been made and that they would send me proof of the transaction via email. I never received a single email from them ; and yes, I checked my spam folders. 
In addition, they offered to send the documentation directly to the provider. Needless to say, nothing ever came through. 
If Optum Bank does not provide me with the necessary paperwork, I will have to pay the amount again, just to prevent it from going to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have Bank of America debit card.I travelled to XXXX on XX/XX/XXXX and returned back to USA on XX/XX/XXXX. I have been using by debit card in XXXX  ( informed bank before travel about that and took permission ) for which i was also charged international transaction fee. I was carrying the card with me and my details are not stored any where. But during the period i was in XXXX  there was ATM with-drawl from my account o XX/XX/XXXX of amount {$400.00} ( two times ) .I did not receive text message as i my USA number wont work in XXXX  . And again when i came back to USA there was two more transactions of {$500.00} on XX/XX/XXXX and reported immediately that it was not authorized.So total amount of {$1800.00}. I reported to bank and i told them i don't have any cards which even they know because they never provided or i never requested them to. They processed my complaint and they are saying that it is authorized charges. I have a proof of iteanrry that i travelled and bank transactions that i was using my card in XXXX  to prove that this ATM with-drawl is fraud and not authorized. Please help me to get back my funds.

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 monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 2023-04-24
Company: Incomm Holdings Inc.
State: AL
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 a XXXX pre-paid master card and put {$180.00} on it. When I got home it kept saying the card number was invalid, when I called they told me that due to suspicious activity my account was automatically locked, I had to send them a picture of my ID, the receipt, and address verification, told me if would take 10 days to get to the email with my info and another 30 business days for my card to arrive in the mail. That was all my money for the week and it feels like I was robbed, I didn't even get to spend a XXXX. Checked it once on their site and after it said my account was locked. I wasn't even home for 20 mins at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MI
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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Please block and remove this information from my credit report, Pursuant to section 605B or the fair credit reporting act and send the required information to all furnishers of this information five unauthorized fraudulent accounts include : XXXX XXXX XXXX $ opened XX/XX/XXXX XXXX XXXXXXXX balance {$670.00} opened XX/XX/XXXX XXXX XXXXXXXX balance XXXX $ opened XX/XX/XXXX Filer credit union XXXX XXXX $ opened XX/XX/XXXX XXXX Funding balance XXXX $ opened XX/XX/XXXX Unauthorized fraudulent address never lived there include : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX Unauthorized fraudulent inquires include : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 appreciate you making the effort to update some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-11-28
Company: EQUIFAX, INC.
State: NJ
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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Information belongs to someone else

Complaint:
This is my 2nd 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 accounts 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, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$3200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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