BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was the victim of an identity theft. My bank, US Bank, suggested I shut down all of my accounts to protect myself, I had a forbearance due to tied up funds due to this. US Bank has completely messed up all my accounts. When setting up new accounts, they opened them without the proper info ( including the info of the perp ), in transferring my existing accounts to new numbers they put it down as a request for new credit on my report. Even though I did not have access to my online accounts or their numbers from XXXX to the end of XXXX and they did, they reported one of my cards as late. They have asked me to resolve the forbearance and have banks they service for calling me and saying I don't pay, even though I am. They continually call me to set up a solution, even though I have done it like 10 times via phone. I have tons of dates, names, etc. Its been the worst experience of my life. None of my other banks had these issues. They still have yet to take off inquiries from the perp, who now has a XXXX  for his 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX via XXXX XXXX  inquired on XX/XX/ XXXX XXXX XXXX  inquired on XX/XX/2022 and XXXX XXXX via XXXX XXXX inquired on XX/XX/. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX {$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 2023-09-27
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 contacted the companies first and allowed 30 days to provide me with the information I requested from the hard inquiry. Zero response from them so contacted Transunion, XXXX, and XXXX two months ago. XXXX and XXXX removed all the information and one collection account from my reports. Transunion has not removed the collection account XXXX thats medical records/debt thats not even mine. The collection agency stated on XXXX  they have removed this fraudulent account from all three credit bureaus. Transunion yet to remove this account and is hurting my ability to obtain lifesaving medical benefits for my life. Please delete 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 2023-09-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
TD bank, XXXX XXXX, NY closed my all my bank accounts, black listed me from all their systems without giving me any reason/explanation. 
They didnt even notify me. They did send a mail but that had my husbands account number on that letter. So I thought its my husband 's account what will be closed. 

On the final day of closing account, one of the TD rep informally told me it was due to some cash transaction and no satisfactory explanation, my account is closed. 



We were saving money for a downpayment for home buying. I got some cash deposited to my account and at that time XX/XX/, the branch manager called me and I gave him all the explanation he asked for. Told him it was for a downpayment I collected cash, the manager was satisfied but apparently he didnt record that explanation with my account. Apparently which caused this confusion/closing account. 

During closing my account Td bank representation told me she is not seeing any explanation related to my cash transaction. 

I think this is not fair they closed my account due to branch manager failed to take note of my explanation. I gave them explanation for whatever they asked me but still they closed my account without notifying me. 

This caused me lot of family issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Account information incorrect

Complaint:
Dear Transunion, On XXXX XXXX I mailed ( tracking # - XXXX ) a dispute for the following inaccurate accounts listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C1681I ) and Metro 2 compliance standards, I challenged all inaccuracies or deficiencies of reporting. Transunion failed to remove the above inaccurate/deficient accounts. 

On XXXX XXXX I mailed ( tracking # - XXXX ) a letter requesting Transunion 's method of verification to include the following : 1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2 What certified documents were reviewed to conclude your investigation? 
3 Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4 What did it cost your company to obtain the documents needed to complete your investigation? 
5 Please provide proof of your timely procurement of certified documents. 
6 Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a If yes to above : i Who did you speak to? 
ii On what date? 
iii How long was the conversation? 
iv What was their position? 
v What telephone number did you call? 
vi What is the name of the employee of your company that spoke directly to the above party? 
vii What is the position of the employee of your company that spoke directly to the above party? 
viii How long has that employee been employed by your company? 
ix What formal training was provided to this employee to investigate items of this kind? 
x Was there any e-mail or written communication between members of your company and the above party? 
8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9 Provide the date of the commencement of delinquency. 
10 Provide the SPECIFIC date reporting that these items will cease. 

Transunion did not provide to me the information required by law and the allotted time frame to provide this information has expired. I have documented all of my efforts and will seek any legal remedy available to me. 

This information must be deleted immediately to avoid civil liability.

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 2016-10-01
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I recently received a refillable prepaid XXXX card in the amount of {$25.00} as a gift from work. After 10 days I was billed {$5.00} as " monthly management fee ''. My complaint is, how can a credit card company charge such high fees just for providing the card? On a {$25.00} card that 's like 100 % interest per year ( maybe more )! This is on top of the fee that they charge the company where you use the card ( usually 2 percent I think ), and the fee charged when you purchase the card ( usually around XXXX dollars ). How can the government allow such usury rates to be charged by creditors?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My fiance, initiated a XXXX transfer in his XXXX XXXX  app on Sunday, XX/XX/XXXX. I received a confirmation text message stating I had a XXXX transfer of {$1000.00} available. However, I never received the money. I called my bank, PNC, multiple times to determine where the transfer of fund was as I had never received the money. I did not document these calls. All representatives confirmed my XXXX account with PNC was set up correctly and to give it 10 days. 

After two weeks, I still had not received the funds. My fiance filed a transaction dispute with XXXX XXXX  received a provisional credit while they researched. 

On XX/XX/XXXX, the credit was removed from his account as XXXX XXXX  had determined the funds had been released to PNC. 

I then went to a branch of PNC ( XXXX XXXX, XXXX, GA XXXX ), twice on XX/XX/XXXX to rectify the issue. I called customer service, and they were no help and said the funds were not pending on my account. I also filed a dispute with the XXXX  for PNC and XXXX. 

My fiance went to a branch of XXXX XXXX  where they provided the transaction ID number, trace number, etc. 

We both went to the PNC branch on XX/XX/XXXX, ( XXXX XXXX, XXXX, GA XXXX ). We finally were able to get a hold of an upper level of triage who promised to research the issue more. 

On XX/XX/XXXX, I was contacted by PNC again regarding the XXXX  complaint I filed. I provided all information, and they promised to research. 

On XX/XX/XXXX, I was contacted by PNC stating that my fiance had used the incorrect phone number, and the funds were deposited into someone else 's account, and there was nothing else they could do unless we knew where the funds were deposited. My fiance did not use the incorrect phone number. I have documents and screenshots from his bank showing what phone number was used, and it was correct. I also received a confirmation text immediately after he sent the XXXX transfer, so that excuse does not make sense. At this point, I am unsure if some kind of fraud at the banking level or someone used my phone number fraudulently. I am able to provide phone records that I have had the same phone number since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Porsche Financial Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
XXXX of XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX On XX/XX/2021, I agreed to purchase a car at a price of {$63000.00} at a 5.88 % interest rate. During the signing of the contract in the finance office, the finance officer offered me a lower interest rate if I would purchase a package ( key replacement, gap insurance and Eckbond - all totaling about {$3600.00} ). Thus the payment would be lower since he said he would change the interest to 2.99 % and the payment would be same or lower. 

However, once I went home, one fact that bother me was the fact that the interest rate of 2.99 % was arbitrarily decided by the finance manger at the signing of the contract. This did not seem right. I felt that I qualified for the lower interest rate all along but this was intentionally kept from me during the negotiations, all for the purpose of selling additional package. 

Subsequent communications ( phone and email ) after I discovered that this practice of offering lower interest to sell a " package '' was illegal, the finance manager assured me that he would cancel the " package '' and that I would still receive a interest rate of 2.99 %. However, the price of the car remained the same, with the package still added. The the price of the package ( about {$3600.00} ) was not deducted when I received the first payment invoice. I have email correspondence with the finance manager that states the packages will be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: SANTANDER HOLDINGS USA, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 

SANTANDER XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed, I've sent documents for those inaccurate and incomplete information on my credit report dated XXXX but until today I haven't received any response. I demand that all those account will be DELETE on my credit report. Or I will file a litigation.

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 2018-04-12
Company: EQUIFAX, INC.
State: IA
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:
Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX XXXX XXXX to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Covid-19 pandemic, I lost XXXX years of income. The last mortgage payment Selene Finance received was in 2020, during the pandemic. I no longer had an income source, got behind on payments, made multiple efforts to make the payments. I was approved for a modification by the previous servicer, ( XXXX XXXX? ), and the loan was sold to Selene at the end of the modification period. When I received a letter of intent to foreclose from Selene Finance, I applied for another modification with Selene Finance but was denied. Then I applied for assistance through the Maryland Homeowners Assistance Fund, it took XXXX yrs. to process the application and have been approved recently for a $ XXXX XXXX. I conveyed this to Selene Finance. The MD HAF program requested an additional $ XXXX modification from Selene Finance to bring the loan current. I applied again, Selene Finance denied me, not allowing the opportunity to save my home. I filed a previous complaint questioning the pay-off amount owed to Selene Finance , because a full history of the loan was requested by an advisor, saying the principle wasn't correct, in excess of $ XXXX. Selene sent paperwork to CFPB, and I am waiting to receive a copy of the full history. I also filed a claim with my homeowners ' insurance for damages to the property incurred by contractors. I'm in the process now of selling the property " as-is '', and request that Selene return the $ XXXX endorsed homeowner 's insurance company check back to me upon sale or reimburse the insurance check back to me upon deed-in lieu if the property can not sell " as-is ''. The property has been appraised " as-is '' for XXXX. I have to drop the price due to the work still needed. Overall, in spite of the contractor negligence, I have increased the value of the property through the years, with good care, and deserve to be reimbursed the homeowner claim funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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 is missing that should be on the report

Complaint:
add : XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXXXXXX XXXX  Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ***INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2022-04-15
Company: Experian Information Solutions 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:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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