BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX Account never belonged to me and after disputing the account with XXXX XXXX they sent me a letter stating they would remove the item due to fraud.A month went by the account didn't appear on my credit however I just checked my report today as of XX/XX/2019 and XXXX XXXX is back on my report due to the FCRA this is totally illegal and I have grounds to sue. This is causing me trouble being that I want to purchase a home.

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 2023-03-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Supposedly they sold my grandma life insurance when she opened her account and transfered her mortgage to their bank. She passed away XX/XX/21 and had me listed me as her benefactor as well as her P.O.D. Well went into the bank the first time they told me I needed letters of testament, and told me I had to open a probate case in order for me to be able to access her mortgage, then when I went into the bank with all the correct paperwork, they gave me a cashiers check with her account balance, and put her mortgage in the name " the estate of ... '' And looked at me like I was crazy when i asked about these supposed life insurance, and mortgage insurance policies they had roped her into, but told me I could continue to pay off her mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, 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:
Due to me being a victim of identity theft I spoke with XXXX at XXXX on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at EQUIFAX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email alert from a credit monitoring company about a new item on my three major credit reports. There is a collection company named The CBE Group , Inc. located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, IA XXXX, which reported an account in collections. This company never notified me of said debt. They have never given me verification of the said debt but reported to XXXX, XXXX and XXXX   unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had money in the account at the time of transaction. When it finally posted to the account after removing and holding the funds prior, they will give an overdraft fee if the same amount is not in my account although the money was removed at the time of purchase. I received numerous overdraft fees for one transaction and was forced to pay them because it happened more often when I know I was managing my funds correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I, have a credit card with Chase, They thought my first card with them had fraudulently been used, they contacted me to ask if I had purchased an item at a hotel, I said I had at the hotel in question. they contacted me the next day on the same issue, and I answered the same way. so they called me to tell me that they were going to cancel that card and send me a new card. They did, but my first statement Had an {$89.00} annual fee .I tried to tellXXXX them that they had no right to put that on my card without my permission. they said that the new card was a PREMIER card so it gave me better bargains, My first card had a {$50.00} annual fee which was supposedly for a free nights stay at one of the, XXXX. Hotel groups I do not remember ever being called about the free night stay. Also, XXXX. Rewards on my statement said that for this year I had points earned for XXXX was XXXX points so I went online to see for myself. From XX/XX/XXXX to XX/XX/XXXX my total points for the same period was XXXX I tried to go to XXXX rewards to find out why the difference, But I ran into a not wanting to hear my Questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Theres three inquiries on my credit report that I knows nothing about. XXXX XXXX XXXX on XX/XX/20 and XX/XX/20 Ive never tried to open up any accounts with this company. Also XXXX XX/XX/20 I already have an account with them so why would I apply for a next account with 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 2023-10-02
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unable to contact Mohela about my student loans and student loan forgiveness. When using the " Contact Us '' on their website, they never provide an email address or contact form to fill out. It keeps cycling though their FAQs which are not helpful or informative. When I called the XXXX number, I was not able to connect to a person and was told to go to their website. This is ridiculous! 

I am have received an email from the XXXX XXXX. of XXXX stating the some or all of my loan were forgiven and they would send that forgiveness information to Mohela on XX/XX/2023. However, Mohela sent me a bill with a due date of XX/XX/2023. Am I required to make the payment or not?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
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 can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, Transunion, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs. 
2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

There are inaccurate names and addresses listed on my credit reports that I have never lived at or may belong to a relative. 

My correct name is XXXX XXXX. Please delete XXXX XXXX and XXXX XXXX. 

My correct address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureau must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX Owed : {$110.00} ; XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00} ; XXXX  XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2020-12-17
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an inquiry that is unauthorized reporting on my credit. The date of the inquiry is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a home equity line of credit by Iberia Bank because of a false debt to income ratio. I was told that my dti was 69 %. This figure is false. My documented income is XXXX a month, and my total monthly debt payments are less than XXXX. I have made numerous requests to get an explanation of how the 69 % figure was attained. No one has given me that information. I believe the real reason for the denial is age discrimination. I am completely qualified to get this heloc. My home has no mortgage, and the requested loan amount is within the allowed loan to value. Banks should not be allowed to deny credit to qualified borrowers under false pretenses.

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 2023-06-28
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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:
I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 

This was a LIE and I have the letters from the Credit Bureaus to prove it. 
I have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. 

The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find the credit file I am disputing on their records ; so how are the Credit Bureaus PROPERLY VERIFYING THE MEDICAL DEBT, if they have inadequate information. Which they are closing on my credit reports, THEN REOPENING the debt on my credit reports. 

I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. 

This Account has been closed twice on my credit report and put back on my credit report twice, claiming it was verified, which is not true at all ** I will include screenshot of this evidence**. 

2. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX XXXX  Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

I also have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find my file ; so how are the Credit Bureaus PROPERLY VERIFYING MEDICAL DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Selene Holdings LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I received a statement from Selene Finance for a property inspection for {$13.00}. I don't know why they inspected, what they inspected, who inspected and for what reason. I wrote them aletter on XX/XX/2020 requesting what the inspection was for, at what time and who did the inspection. I did not receive a response. 
I received the same type of bill on XX/XX/2020. I again wrote them requesting information as to what type of inspection, who inspected, time and date and the reason and still no response. 
The statement from Selene Finance states they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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:
I have contacted Transunion several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXX XXXX XXXX  claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of 29 inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft. 
So these items need to be deleted immediately. 

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 2021-05-12
Company: Movement Mortgage LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was approved through this brokerage for an FHA loan ; for XXXX XXXX XXXX . XXXX  XXXX XXXX NC, XXXX Due Diligence was paid, mortgage appraisal was paid, inspection paid, my fianc and I moved from opposite ends of the XXXX XXXX, in multiple Uhauls to attend a closing date XX/XX/2021. 
On the day of closing, ( 3 ) hours after my appointment with the lawyer ; it was communicated to me that I was being denied closure on my loan because my commuting distance & { dwelling of primary residence was more than 100 miles apart } This has left me homeless, living in my vehicle, all of the money invested non refundable, and my belongings in a storage unit. 
Im in XXXX, Im fully vested with XXXX ; and in its very nature can have me based anywhere in the country at any given time. I have never had an issue commuting to work in the ( 6 ) years Ive been flying. 
Are there exemptions protected under the Transportation and Railway Employee Act? It seems a bit discriminatory to not have something in place for those who work for solid companies but cant control the logistics of their profession. Any help or guidance you could provide would be great.

Company response to consumer: Closed with explanation