BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2019-10-12
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Automatic Bill Payment set up through XXXX XXXX XXXX XXXX XXXX to pay XXXX XXXX each month on the XXXX after paycheck deposited -- -- No problems Loan sold to Mr Cooper. Borrower switches Payee to Mr Cooper for same payment.

Bill pay apparently sends paper checks instead of electronic payment as with XXXX. 

Borrower is unaware of any issue and pays automatic amount in excess of required payment. 

Payment arrives 2-3 days late due to non electronic payments required for Mr Cooper ... .for 3 years!

Borrower does NOT reduce principal and Mr Cooper collects late fees the entire time. NO NOTIFICATION IS EVER MADE TO BORROWER OF REPEATED LATE FEES ETC.

Borrower reviews electronic statements for tax inquiry and discovers issue. Calls Mr Cooper and is told nothing is wrong and they will no refund fees.

This issue can affect thousands of borrowers who have their loans transferred and set payment to when their paychecks arrived. I will take my hit but this is the exact issue that CFPB should remediate. I was happy with XXXX ... yet I end up with Mr Cooper and now I miss {$1400.00} in paying my principal down ... .Mr Cooper has that. NOT RIGHT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 was advised by a representative at Transunion to file this report. These inquiries are fraudulent and do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: AZ
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:
Why won't you remove these items? 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to remove. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

I was denied Employment due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Inquires XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My benefits that I receive thru the XXXX XXXX which are disbursed thru bank of America has been a complete nightmare. My card data keeps getting compromised somehow and they refuse to give me provisional credit. They are violating regulation E. They are denying my claims without reason and without sending me information on why my claims are being denied. Also when I originally filed the claims about 2cyears ago they didn't include all the transactions I was disputing and now it's to late to dispute and get My money back for transactions that happened years ago. I beleieve there is an inside emplyee leaking card info because theres no way someone gets my info time after time.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g

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 2023-10-09
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent a dispute that several items on my Experian credit report were incorrect concerning XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX and XXXX 's response, the identical form letter occur the month prior when I tried to tell them they were reporting incorrect information against federal law, was to say they don't think I sent the letter ( based on zero evidence ) and they are simply going to ignore my request to investigate ( because this allows them to stall and dodge a rightful complaint from a consumer ). I guess having all the information regarding my accounts and my signature and address is not enough for them to act properly, so instead of researching the disputed matter like they are supposed to do, Experian simply made believe I never sent the letter disputing the errors and they do nothing to protect the rights I am entitled to.

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 2022-10-29
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}

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 2023-04-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022, received email stating I owed {$29.00}. plus to PayPal credit for purchase in XXXX. I emailed back indicating I never opened a credit account with PayPal nor made a purchase for {$29.00} in XXXX. Every month since, I have been receiving emails for increasing amounts with interest and penalties on this issue although I have written and phoned, spoken to to the Fraud department about this, had the case closed and reopened three times, through Synchrony Bank. Each time they claim their investigators have reviewed the case and I owe the amount, An no time has anyone from either PayPal or Synchrony Bank initiated a contact with me, even when I informed the managers at Synchrony that I had Excellent credit and had a prior experience with them that was very satisfactory in the thousands of dollars. I even asked them why, if commonsense prevailed, would I continue to object to a miniscule {$29.00} issue given my record. They had no answer and I continue to be billed, now for {$99.00}.

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 2023-08-03
Company: EQUIFAX, INC.
State: WI
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:
The credit bureaus is reporting inaccurate information on my credit history. I've sent the agencies a Identification driver 's license and recent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: ROBINHOOD MARKETS INC.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Starting on XX/XX/2021, A subscription company tried to charge my Robinhood debit card. And the charge was rightfully declined because funds were not available in my account. They company attempted to bill my card 12 times between XX/XX/XXXX, and XX/XX/XXXX and were declined. On XX/XX/2021 this charge was submitted again, and the charge was paid putting my account into overdraft. 

Then on XX/XX/2021, Robinhood liquidated the two shares of XXXX in my account to cover my " margin ''. 

It clearly states on the Robinhood website in the support help center that the Robinhood debit card prevents overdrafts by default. They further explain the few exceptions such as gas stations, restaurants, and hotels, in which the final charge may be more than a preauthorized charge and can send an account into overdraft/margin. A preauthorization charge should not be the case here as the business charging my Robinhood debit card isn't one of the exception type businesses. 

I have been in contact with Robinhood support several times via email and XXXX to try and resolve this. Robinhood refuses or can not explain why the charge was allowed to proceed the final time. I have simply asked them to replace the two shares of XXXX and the {$1.00} I had in the account at the time Robinhood confiscated my assets. They simply refuse to return my assets and won't explain why they allowed the charge go through even after being declined 12 times previously. 

My final hope is that I can get this issue resolved through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries 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 XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear [ XXXX ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 that a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
National Recovery Agency contacted me on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding debt collection. 

Their message said " Reply STOP to stop receiving text messages ''. I replied STOP that day in response. 

Despite my text reply indicating that they stop, National Recovery Agency contacted me again on XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again, their message said " To stop receiving text messages reply STOP ''. I again replied STOP that day in response. 

Despite replying twice to them telling me to stop, they continued and have now texted me again today, XX/XX/2022, via text from the phone number ( XXXX ) XXXX regarding the same debt collection. 

Again their message included " Reply STOP to end. '' I replied STOP today in response. 

I have now had to request they stop texting me 3 separate times because they continue to contact me via text through different phone numbers. Each time they contact me on my cell phone number, which has remained the same throughout all of these interactions. 

I have asked them to STOP contacting me via text, I would like them to stop and I would like to pursue any avenuXXXX of complaint I have available to me against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - XXXX Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit 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 2022-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$300.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; BANK OF XXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX Balance : {$3800.00} ; XXXX BANK XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/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