BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have communicated with TransUnion several time regarding XXXX XXXX XXXX account ( XXXX ). Below are the complaint numbers. 
XX/XX/22 - XXXX XX/XX/22 - XXXX XX/XX/22 - XXXX XX/XX/22 - XXXX TransUnion knowingly broke the law and is in violation of my consumer rights. TransUnion stated that they deleted this alleged account, but it is still showing on my consumer report. Also when ask for their method of verification, TransUnion stated that they mailed me their method of verification, but I only received a letter stating this alleged account was verified. After they had already claimed to be deleting this account.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Today I received a letter from TransUnion stating that they could not proceed with my investigation because they believe that I am using a third party company or XXXX XXXX XXXX for my dispute that I submitted. This is a stall tactic first and foremost and secondly Ive took the time out to study and learn my right under the FCRA! Therefore all dispute letters have been drafted by me, myself and I. I am being accused of this and they dont have anything supporting information to support their theory.

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 2022-03-03
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent in a payment to Midland Mortgage in the amount of {$860.00}. I later on received a statement stating that my mortgage was modified and my payment would be reduced to {$210.00}?? So on XX/XX/XXXX I requested that {$300.00} be return to me and they approved my request. XX/XX/XXXX I called them to let them know I did not receive the reverse payment of {$300.00}. They stated that they couldnt return just the {$300.00} that they had to reverse the full amount. I said fine Why wasnt I told that at the initial conversation. XX/XX/XXXX still no funds applied to my account for {$860.00}. XX/XX/XXXX called Midland to ask about funds stated that since I did the transaction through Bill Payer 3rd party they would have to send the funds there then they would apply to my account. I said what do you mean cant you just reverse the charges, in which they stated no they couldnt and had to send a check to Bill Payer 3rd party. I said fine was their any proof for security reasons a tracking number or how was it mailed? They did not know but would call me and give me more info on that. 
XX/XX/XXXX spoke to XXXX supv stated that a check for {$860.00} was sent to regular mail through the post office box on file in the name of the 3rd party Bill Payer with no security or certification what so ever. I said how can a bank send out such a large quantity of funds through regular mail with no secured application?? Now XX/XX/XXXX no funds have been applied to my account and now no way to find out where this check is and no payment has made made on my mortgage for XXXX and now late for XXXX. 
How can this be possible dont they have to by law send out funds with some kind of security measures? I would never send any funds anywhere without some kind of security or certification or proof. They XXXX XXXX has advised me that to wait 20 days if I dont recvd the funds and within 3-5 business days they would issue another check to Bill payer.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: MA
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:
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 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 explanation
Consumer complaint received 2022-12-24
Company: Upgrade, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I was approved for this account on XXXX with a XXXX credit line. I have maintained this account without delay or default since it was opened. There is a stellar payment history with Upgrade, but yet 30 days ago, I recieved an email stating that Upgrade was decreasing my credit line from XXXX to only what was owed on the account to XXXX, which is now the new current credit line. To add insult to injury, my finance rate was changed from 17.99 % to 20.99 %. All I recieved was a letter saying that I had a XXXX on my credit and that is the reason for the decrease. The XXXX  was on the account when it was opened. The XXXX  was discharged in XXXX. Baffeled and confused, I reached out to Upgrade for answers and the representative was sensitive to my complaint, but could not offer any resolve except that my complaint would be escalated and someone would be contacting me.Needless to say, I have not been contacted as of today. I just dont understand, why Upgrade is puilling my credit when I did not apply for anything. And even so, why isnt it to see if I deserve an increase because of the perfect history. I have never ever had this happen to me as long as I have been a consumer using credit cards and line of credit. I have come along way since XXXX. I have a great well paying career, bought a new construction home and as of XXXX, a business owner. Im the type of customer that you want to have. I really would like some intervention on getting the resolve that I could not get on my own. Im only looking for fairness, not an excuse for faulty policy..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX, USDOE/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 my written instructions.

I have never been applied for a US Education loan ; I need this account to be investigated and removed from my credit reports.

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 2022-06-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank is charging additional fees after an account is closed. 

I called and asked to cancel my account and to decrease the membership to {$55.00} on XX/XX/2022. The bank decreased my membership a month after, but never notified me about the remaining balance they just keep on adding additional charges. 

I got a call today XX/XX/2022 asking for payment in the amount of {$160.00}. Why are they adding fees when I asked to cancel my credit card. 
Bank waived {$40.00} fee only and keep all other fees. 

XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$40.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$36.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$29.00} XX/XX/2022 XXXX XXXX  XXXX XXXX XXXXXXXX RETURN - {$55.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE {$110.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX RETURN {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I got this loan in XXXX from Associated Bank, it was pose to be a 10 year loan, but its a 30 year, the banker and mortgage company who done the loan was on the news for fraud I looked in to my loan about XXXX ask to refinance, the banker told me I wouldnt be able to refin in about a year, but I always get the run around, over and over, come to find out the value isnt in the home, which I looked into more and the value was never in the home I got the loan with a XXXX credit score with the amount of XXXX my interest rate is at a 12.2500 % which is very unrealistic at this current day in time. and it seems like its nothing I can do they never gave me my original paperwork its been a tough situation dealing with them, and I have paid them for the loan already, at this point its like highway robbery. No one is being held accountable for me getting played by 2 of their workers and Im just feed up with them. It just a pure embarrassment how I let these men play and Prey on me, if I would have know better I would have done better. Can you please help me to get a resolution, Im tying to find me a lawyer to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working with clients for 8 months, trying to obtain a discharge of mortgage for a loan that was paid off in XXXX. The home equity loan was originally obtained in XXXX. We have followed HSBC 's procedure which requires we submit all information via email to the lien release department. This information has been submitted no less than 20 times. We are not able to get any response, we can not get a phone number to speak to someone directly in this lien release department. We have {$40000.00} being held in a title company 's escrow account awaiting the discharge. Without the discharge of mortgage, we are unable to obtain release of the {$40000.00} being held from the sale of this property. 
It is ridiculous and highly unprofessional of HSBC to blatantly ignore our requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I think someone made an account under my name with chase and keeps opening it up some how when I closed it with the bank and it keeps re opening and They told me that they think someone has stolen my social security but I didnt think anything of it in till now cause I keep getting statements thru email basically saying the account is active. Also my account got overdrawn somehow So i think someone has my social somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: LA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National debt collector stated loan was taken out from XXXX bank for the loan amount of XXXX on XX/XX/XXXX and it was sent to a XXXX XXXX account ending XXXX XXXX, an account in my name controlled by my exboyfriend A payment was made XXXX XXXX XXXX, but not by me and then it went deliquent. an email : XXXX was given which my ex had acess too. A DL was given but no number is on file. the reference number for national debt collectors is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX  XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX collection account XXXX collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX  XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX TX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX charge off account XXXX XXXX XXXX Charged off account XXXX XXXX XXXX charge off account

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 2022-10-17
Company: Intercoastal Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were working as a 3rd party construction company on a project financed through the following Loan Officer and entity : XXXX XXXX Intercoastal Mortgage LLC. 
XXXX XXXX XXXX XXXX # XXXX XXXX The Loan Officer on this loan repeatedly told us ( the builder ) and the homeowner that in order to get paid the remainder of our fees we needed to complete all work- including any out of scope - out of our funds and we would then need to submit an invoice for reimbursement. 

This went on for months ... and in excess of $ XXXX. 

once we submitted the receipt.. which were all approved by all parties.. we were told we would not be reimbursed because the loan can not fund these.. though we were forced to complete those to submit for reimbursement. the lender since then.. started disbursing funds to other without our approval or without proper notification. 

the LO has not responded to requests for answers. 


This lender has violated numerous minimum requirements for this loan and has operated in a ways that should not be tolerated in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am updating another claim as it pertains to an error in reporting either by Transunion or by XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX have never had a line-of-credit with XXXX XXXX XXXX XXXX. This was a simple checking and savings account. Therefore, this account is reported erroneously. It is indicated that I had a line-of-credit account opened approximately XX/XX/XXXX and was closed on or about XX/XX/XXXX after paying the balance on XX/XX/XXXX. This is incorrect and the evidence will show that the past dispute with XXXX XXXX XXXX XXXX was for the assessment of overdraft fees by misapplying funds inappropriately. During a period between XX/XX/XXXX-XX/XX/XXXX, my checking account was noted to be spent down despite funds being available ( deposits, wages, etc. ) and the bank would charge overdraft fees and then the available funds. The sequence of deposits and withdrawals were not processed in the manner in which they should have. I will resubmit this to the bank based on the Transunion settlement claim as well as to two or more agencies, specifically the NCUA because I never had a line-of-credit with XXXX XXXX XXXX XXXX and the dispute was over {$300.00} in overdraft fees and statement fees between XX/XX/XXXX-XX/XX/XXXX. This matter is hereby updated to include erroneous reporting by XXXX XXXX XXXX XXXX in regards to an account that I never authorized ( i.e Line-of-Credit ) or was known to have. This information was submitted to the attorney for Transunion per request ( s ) and was further indicated that a release would not be signed by XXXX XXXX XXXX in regards to Transunion reportings on the credit 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