BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
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: 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to Experian, XXXX, XXXX, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX  # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I spoke to XXXX XXXX, a Mortgage Banker with Rocket Mortgage NMLS # XXXX a couple weeks ago asking about the products they offer. 

He started asking for personal identifying information at which point I stopped him and explained I was not applying for anything. I just wanted to know if a certain type of mortgage product existed ( a home improvement loan above 80 % XXXX ). He responded that he understood and we were just collecting information to answer the questions. At no time did he mention running a credit check ( because I would have said NO ). 

After speaking with him and determining the product I was interested in was not offered by them I ended the call and received a notification from XXXX XXXX that someone had checked my credit. 

I called and complained because they ran my credit without my permission. I spoke to : XXXX XXXX Associate Resolution Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX She had to research and got back to me a week later stating that the banker asked my permission and I consented. I said I did NOT and she asked me what did you think your social security number and date of birth were for? She was very condescending and unprofessional which I imagine comes in handy when you have to lie to customers what actually took place in a converstation. 

I provided that info because it was specifically asked for ( which is what prompted me to Pause the conversation and clearly state I was NOT applying for anything ) I went out of my way to clarify I was only asking a product question and they ran my credit without permission. 

I have an excellent credit rating so it should be clear I dont wander around allowing banks to run my credit. 

This is plain and simple dishonesty and a breach of ethics while handling my personally identifiable information. 

See attached files. This inquiry no doubt knocked my rating from Excellent down to good. This can not be tolerated for such a mainstream company like Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Flexible Finance, Inc.
State: MI
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Company Flexible Finance for unauthorized reporting on my credit report, which has caused me significant harm, including defamation of character, homelessness, difficulty in buying a house, and late payments. I would also like to note that I have also submitted a complaint about this matter to the Federal Trade Commission. I have reason to believe that I have been a victim of identity theft by Company Flexible Finance, as I did not provide them with any consent to report on my credit report. According to 15 USC 1681 c2, consumer reporting agencies are prohibited from reporting any information that is not authorized by the consumer. However, Company Flexible Finance has reported on my credit report without my written instructions or any form of consent. The unauthorized reporting by Company Flexible Finance has caused me significant harm and has negatively affected my financial wellbeing. It has resulted in defamation of my character, as it has made it difficult for me to obtain credit and caused me to be homeless. It has also made it nearly impossible for me to buy a house, which is a fundamental part of the American Dream. The unauthorized reporting by Company Flexible Finance is an egregious violation of my privacy and has caused me undue stress and hardship. I urge the CFPB to investigate this matter thoroughly and take swift and appropriate action against Company Flexible Finance. It is essential that this company is held accountable for their actions and prevented from causing harm to other consumers. I request that you inform me of any further steps that I should take to protect myself from identity theft and to correct any inaccuracies on my credit report. I am deeply concerned about the impact that this unauthorized reporting may have on my financial wellbeing, and I implore the CFPB to act swiftly to protect consumers like me. Thank you for your immediate attention to this matter, and I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRUSTMARK CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with XXXX XXXX to get the negative amount from me. Which its not my fault its 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-10
Company: EQUIFAX, INC.
State: GA
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:
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. Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, I logged into my corporate account at Bank of America and I get a message that my account is " restricted. '' I called the phone number listed, and then was transferred 3 times. After 2hours, the call was disconnected. When I tried again, the business was closed. 

I never received any call or notice from B of A warning before them restricting my account. There is no fraud. The deposits are made by clients. 

I have checks with this account number and it is tied to several accounts. I can not have it closed.

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 2023-01-09
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming civil suit. These court documents had a broad list of what I was being sued for. It stated XXXXXXXX XXXX XXXX  Prior to this I had paid off 3 XXXXXXXX XXXX  debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a XXXX  amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The XXXX  have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was XXXX XXXX XXXX XXXX I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling XXXX XXXX  and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my local county clerk recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : Hunt & Henriques XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
hello good evening this complaint is about unknown inquires on my credit report that are damaging my score. the following inquires are unknown to me and are reporting to my transunion report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have attached copies of my transunion report with the unknown inquires.

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 2023-03-08
Company: SECURITY FINANCE CORP
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: Reporting company used your report improperly

Complaint:
Security, finance pulled too hard inquiry on my credit without my permission, i called them an asked to take off, in which they stated its in there policy. Its against the law to run someone credit without there permission. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to get gas and withdrawal money from my savings account to get to work since XXXX. I called TD banks several times they keep telling me theres nothing wrong. Then they tell me I cant withdraw money with my debit card. Ive done it plenty of times. It is now XXXXXXXX and they going to tell me my chip is not work in g. I am stranded right. No money no job someone should be held liable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a chime credit builder account that I noticed was negative by like XXXX $ somehow. So after chime customer service couldn't explain to me where the XXXX $ charge was coming from, I closed the account. They failed to inform me that after closing the account any money on that account that I'd be getting refunded back I would then lose, INCLUDING MY TAX RETURN! So now I can't get any help with getting my money because no one at chime knows what I'm talking about! I'm XXXX because this will be the 2nd time they stole my tax check and I can't do nothing about it! This is wrong and I need help resolving this asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX my identity was stolen to purchase a cell phone at a XXXXPrior to my stolen identity, My credit score was about XXXX with equifax.Because of covid 19, my credit score went down.Now that my identity was stolen to purchase a cell phone my credit score went down again to XXXX.I disputed the XXXX account/trade line many times.Finally, after XXXX did there investigation, they found that my identity was stolen and issued me a letter.I sent the letter to Equifax disputing the unathorized account again.Recently, equifax finished there investigation and deleted the account on my credit report ( confirmation No. XXXX ) .Now that the XXXX account was deleted, My FICO/credit score stayed the same.My FICO score should have immediately gone up because of the  Deleted trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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: Account status incorrect

Complaint:
XXXX XXXX ( XXXX ) is inaccurately reporting XXXX late payments for XXXX and XXXX of 2020 on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the XXXX inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the XXXX department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the XXXX late payments. This is frustrating and very stressful to my life!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX place has re aged an account they are reporting on my credit... .i have tried to challenge the XXXX XXXX accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation