BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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 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 non-monetary relief
Consumer complaint received 2022-11-08
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I refinanced my property back on XX/XX/XXXX, with XXXXXXXX XXXX XXXXXXXX XXXX  informed me that they were an in-house lender and that it would not sell the mortgage. On XX/XX/XXXX, XXXX XXXX filed a Petition to Enforce promissory note with recognition of mortgage against me. On XX/XX/XXXX, I disputed the authenticity of the mortgage and amount owed. XXXX XXXX  was claiming to be the servicer of the mortgage at this time, claiming XXXX XXXX was the owner of the mortgage. 

On XX/XX/XXXX, XXXXXXXX XXXX  informed me that XXXX XXXX  would be the new servicer for the Mortgage. This was 3 months after XXXX XXXX filed the partition against me. Shortly thereafter, XXXXXXXX XXXX notified me that they were now servicing the mortgage on my property. I contacted XXXX and informed them that the mortgage was in litigation and that XXXXXXXX XXXX  had erred in the amount owed on my mortgage and that I was also disputing XXXX XXXX 's claim to ownership of said mortgage, a fraudulent assignment of mortgage from an XXXX employee signing the mortgage assignment on behalf of MERS. XXXX also placed a force placed insurance policy against my property. After I incurred substantial property damage from a Hurricane, XXXX 's insurance company refused to repair the damages of my home. After informing XXXX XXXX that the mortgage in question was in litigation and that I was going to inform the CFPB of my situation, XXXXXXXX XXXX followed up with a " Notice of Ownership Change '' on XX/XX/XXXX, and a " Notice of Servicing Transfer '' on XX/XX/XXXX informing me that they were transferring the subject mortgage to Fay Mortgage Servicing. After receiving notice from Fay Servicing in XX/XX/XXXX, I requested on their form that I was disputing the mortgage and that it was currently in litigation. On their form, I requested they supply me with the mortgage company they acquired the mortgage from. To date, they have not responded to my numerous calls, but informed me that in was in their legal department and that foreclosure process was initiated. On XX/XX/XXXX, I received a forced place insurance from Fay Mortgage from the same company that XXXX placed me with which refused to honor the damages incurred back in XXXX. My mortgage owed on the property was {$37000.00}. I have lost all documentation from water damage incurred my home. I am looking for XXXX to settle my mortgage for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm reaching out for a follow-up to emphasize that I'll be updating my credit reports within the next 15 days. This complaint is sent with the expectation that you will take necessary actions to remove the listed items from my credit reports. Attached to this complaint are my identity theft reports # XXXX and # XXXX for your reference. Kindly review the items below for removal : 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 XXXXTRANSUNION 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 2023-02-27
Company: EQUIFAX, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Checkr, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In Indiana they only supposed to go back 7 years. But they went back all the way to XXXX and provided the company I applied for with all that information. I applied in XXXX. They should of only went back to XXXX. I've contacted them about this. And they wrote me a letter saying that the info was gathered from public records (??? ). Anyways I gave up hope untell I came across this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Chime Financial Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/2022 I received an unsolicited Visa card from Chime, a financial technology company based in XXXX XXXX. The card was in my name and sent to my home address. On Tuesday, XX/XX/XXXX, I received a text from XXXX notifying me that my Chime Visa was in the mail. I contacted Chime via the help phone number ( XXXX ) listed on their website ( chime.com ) to close the account as I had not opened the account. 

Chime asked me to verify my information, but the email address on file was not mine, and so the customer service representative said they could not close my account over the phone. A supervisor informed me I would only be able to close it after submitting documentation, but I needed to wait for their fraud department to contact me with information on where/how to submit that documentation. I am still waiting ; in the meanwhile, someone has access to a digital financial and banking account in my name and is likely using this fraudulent identify to commit fraud. 

I asked for an alert or freeze to be place on the account in the interim. The customer service supervisor I spoke with said this happens frequently. Chime makes it easy for anyone to open an account with anyone else 's information, and the company erects unnecessary barriers to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My name is XXXX. 

coinbase entered my account and stole XXXX euros, transferred them to XXXX without my permission. This money was mine and I had it in ETH2. I have sent them more than 100 emails and they say that this money did not exist, that it was a decimal error. In truth, that money was mine and I had converted to several cryptos. I have proof of its theft and of the conversions to different virtual currencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
What Im not understanding is this company says they cant identify me but locked me out of my account but still taking money from my account for a service I am not receiving sent in my member I D but still cant get in my account what gives them that right if you cant identify someone why keep collecting money cant handle this anymore XXXX  has taken over cant sleep knowing this company allowed my identity to be stolen and account hijacked but taking money from me and email changed to someone at their company Ive given all the information proving thats my account theres something not right with their investigation

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 2023-06-04
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I'm writing to express my concern regarding the unexpected restriction and blockage of my Apple Card spending capabilities, which occurred following an attempted {$99.00} purchase at an Apple Store. It's rather ironic that I've encountered this issue while shopping at Apple, wouldn't you agree? Despite my earnest attempts to resolve this situation through your Customer Support channels, including both text messages and phone calls, I have received scant information beyond the fact that my account is currently under review. Regrettably, no definitive timeline for this review process has been provided, leaving me in the dark about how long it may take. As a result, my card is presently unusable. Neither the Customer Support representatives nor any supervisors have been able to furnish me with more detailed information regarding the cause of this restriction. I've been informed that I am simply to wait patiently for a call back from " upper management ''. As a loyal Apple customer for nearly two years, I have, on previous occasions, been faced with challenges that have received the standard " We're sorry for the inconvenience '' response. However, in this instance, I believe that a more comprehensive response is needed. The implications of this account restriction are significant, and I would greatly appreciate a thorough and timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: GA
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:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm a Texas Veteran and contacted Cardinal Finance about a home loan using the XXXX XXXX XXXX XXXX XXXX. The loan XXXX was not familiar with the program but claimed to be so. 
My complaint is Cardinal Finance made XXXX hard inquiries on my credit report on the same day, XXXX of them are errors, and they will not fix their erroneous hard inquiries. 
These additional hard inquiries severely impacted my credit score. 

Cardinal Finance XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are hard inquiries from several companies I do not recognize. 
Such as, 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 2023-02-27
Company: Convergent Resources, Inc.
State: TX
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:
I have been disputing this collection account on my reports with Convergent Outsourcing for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!

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 2023-01-25
Company: EQUIFAX, 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 resident verify, rent grow, police and fire XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
These Credit Reporting Agencies XXXX, Equifax and XXXX have furnished false and deceptive information without my consent. I did not authorize nor did I benefit from the reporting of these accounts and unknown inquires. Congress already found and declared that they have assumed a vital role that they do not have and that they shall exercise their grave responsibility with fairness and impartiality. They must respect the consumers right to privacy, and confidentiality. This information is not fair and equitable to me the consumer and I am requesting you update the information to my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts Or list of inquiries in the letter attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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