BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
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 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 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 2023-05-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I logged into my account so I could transfer money to cover a check I had just written. I found that my account was at minus XXXX. I had been overdrawn XXXX and 3 additional charges under {$2.00} each came through along with a sustained overdraft charge of {$30.00}. I was not informed by the bank until after the charge so I couldn't correct it. I also didn't transfer the money for the check because this fee was beyond what I had. I had just received an annual report about protection if charges under {$5.00} come in. I have since received a {$35.00} overdraft fee for the check I couldn't cover because of this ridiculous sustained fee. It appears they are charging me another {$30.00} sustained overdraft fee. This is excessive considering the initial overdraft was less than a dollar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We have a Heloc from XXXX XXXX, which we have paid consistently despite the rate increases. 
In XX/XX/, XXXX transferred the loan to XXXX XXXX and raised our fees and payments by more than XXXX. 
When I called to inquire about the change, they stated it was a " system error that they were aware of and would be addressing... .nothing should change ... our amount would remain the same. '' An updated statement was sent, reverting back to our normal payment. I immediately submitted the payment via their online system, although their online system still reflected the inaccurate statement requirement. 
I called again and they stated it would be rectified It wasn't. 
I have since called 6 times asking for assistance. I have been disconnected 4 times and am again sitting on hold ... .so far 20 minutes and counting. I tried emailing and chatting, and still no assistance. 
I have since received a letter stating that I still owe the XXXX XXXX  which was due immediately or there would be penalties. Again, I was told this was an error in their system. 
Last week they had a " system outage, '' which they now say is rectified, yet the data is still incorrect. 
I received a New statement that now states we owe more than XXXX, including a past-due payment I already made. 
It's now 40 minutes on hold. 
I am a military widow on a fixed income and should not be taken advantage of in such a manner. I have made every attempt to communicate and address the errors in their system but to no avail. 
Now they disconnected the call... again. 
Their actions deserve to be investigated and reported as they seem to be fraudulent in their actions and customer service. 
Would appreciate it if you could look into this. I am happy to provide any and all documents for proof and verification. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I offered a settlement payment that was refused and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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've been paying my mortgage on time over the last 12 month with XXXX XXXX XXXX. Somehow, from XX/XX/XXXX to XX/XX/XXXX, they did not clear my check- which was sent to the same address as before. Then I received a delinquent account report and dropped my credit score by XXXX points. I contacted the bank to explain, but they told me to contact the major credit bureaus. I was only able to contact XXXX but not TransUnion or XXXX. Would be helpful by them to open an investigation on this matter.

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 2022-01-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, my name is XXXX XXXX email address ; XXXX I have been trying to work with Navy Federal Credit Union for 5 months now on a refinance of my home. They originally gave me a closing date of XX/XX/XXXX even though this process was started in XX/XX/2021. That date has come and gone and I am still fighting to try to get this process completed. They have had to run my credit 3 times now because they have taken so long, which has dropped my credit score every time and made it difficult when I bought a new truck XXXX weeks ago. Today they tell me that I have to get my well retested yet again because the current test will expire before they can get a closing on the refinance. This is the worst experience I have ever had. Not to mention I have called the supervisor of my XXXX  XXXX and left messages for 3 months with no call backs. I feel this is just bad business and they do not care about the people anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

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 2023-11-13
Company: Radius Global Solutions LLC
State: MI
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 this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

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 2023-07-21
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir, This is to bring to your notice that, I had utilised the services of Western Union based in XXXX on XX/XX/XXXX to transfer an amount of XXXX $ from my checking account with XXXX XXXX XXXX ( account ending in XXXX ) .to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account ending in XXXX ) XXXXWestern Union charged me XXXX $ for this online money transfer ( inclusive of proccessing fees ) .They said the transfer would be done in XXXX days, as advertised.I had been getting calls from XXXX XXXX XXXX, the recipient , that the money has not been transmitted even XXXX  days after the transfer was initiated and the money taken from my US checking account.On contacting western Union, their agent XXXX XXXX apologised for the delay and said they had issues for processing and she would initiate an investigation.She said they would contact me after XXXX XXXXI asked for a refund.I had to send XXXX XXXX the amount of XXXX through XXXX XXXX ( XXXX ) and she received the amount in a few hours.This delay has tarnished my reputation and caused me undue mental duress.I contacted Western Union again after a week and asked for the reasons behind the delay and the status of refund, Now they say ( XXXX XXXX ) the amount had gone through on the XX/XX/XXXX and they would initiate an another investigation and contact me in XXXX hours.. I believe the representatives of Western Union are just wearing me out, by delaying the issue.Neither have I been refunded.They said, I should contact the recipient 's bank in XXXX and ask for the refund. Kindly take action against this agency based abroad and please refund me, the amount of XXXX XXXX charged from my checking account resulting in me, sufferring undue mental stress and hardship. Kindly bring to the attention of other hapless US consumer using the services of this fraudulent company XXXXWestern Union , who misuse US Banking laws Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: CA
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:
Contacted all three credit bureas XX/XX/2023 due to new hard inquiries on my reports that was not initated by me. New fraud alert was placed on all three bureas as well. 

Equifax has concluded that it's not fraud but can not provide information on how and is placing all the work on the consumer to resolve this matter. In addition, to dispute further they want consumers to mail ID, social security card, address, and a letter of explanation. 

I'm already a potential victim of fraud and their solution is to mail very private information to dispute. 

XXXX with equifax ( XXXX XXXX ) was not very helpful until I started inquiring more and more to get alternative solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX  account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX  XXXX account # XXXX, 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 a consumer reporting agency can not furnish an account without 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 2022-01-31
Company: WELLS FARGO & COMPANY
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was declined for a Credit Card, which is fine. My problem is that one of the reasons given was the on my report for the XXXX, the one used for this application, I was told a reason for the denial is not enough accounts Current. I have never had a late payment, and every account is current. 

I was told to check with XXXX. I did. No account was anything other than current. 

I asked to see the report that you used on XX/XX/28, as is my right under the Fair credit reporting act. I was told Id get a letter in the mail, which would not contain the details of the report used. So I am still left without answers as to what you saw that was not current. I have referred to the credit bureau as directed and pulled my report also, and there is nothing. 

I have a legal right to the information you used to make this determination. I would like the report you pulled mailed to me. I believe you are completely mistaken and there was never anything not Current.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , IN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX  XXXX, AL XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$2900.00}

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 2021-02-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquiry that I did not give permission for

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 2023-11-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 TRUIST debit card that was fraudulently used by several companies. Bank refuses to return the money. They say they will investigate but they have not even called me to ask any questions. I filed the complain in one of the bank branches and I have been back several times. I was out of country on a cruise XXXX so I could not have charged anything in those days. 


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 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 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 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 2023-07-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
An application was submitted for a mortgage modification. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the XXXX XXXX Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I was reviewing my XXXX XXXX XXXX XXXX credit report and notice an inquiry that was made without my consent by XXXX XXXX XXXX fl on XX/XX/XXXX. 

I contacted XXXX XXXX who is in XXXX XXXX XXXX fl customer service on XX/XX/XXXX expressing my intent to have the said inquiry deleted, XXXX stated he could not assist me. 

On XX/XX/XXXX, I filed a complaint with the Federal Trade Commission, report # XXXX. 

On XX/XX/XXXX, I sent XXXX XXXX XXXX fl a FDCPA validation letter.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
On my experian credit report theirs is two negative items that are fraud I filed a federal trade commission identity theft report on file please have experian remove the account from my report

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