BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a Chapter XXXX in XX/XX/XXXX and included an account with the XXXX XXXX XXXX XXXX XXXX ) which was an account that ended up with this as a result of a salary overpayment for advanced sick leave that became due when I left the XXXX XXXX XXXX XXXX XXXX XXXX  The account was subject to offset every year and was XXXX of XXXX receivables listed with the XXXX. The other XXXX were paid in full and the only one remaining had a balance of XXXX. That account was listed on my Chapter XXXX petition that was XXXX on XX/XX/XXXX. I have provided proof of the account listed and the discharge but TransUnion continues to report this inaccurate account. I have also requested that the XXXX update this information as well.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 disputed the XXXX XXXX  XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports. I started disputing the late payments in XX/XX/XXXX. I never received statements from the creditor, so I requested proof that the statements were delivered by providing tracking numbers. If such proof couldn't be provided, I requested the credit bureaus/creditor delete the late payments. As of today, both the credit bureaus and creditor have ignored my request. The 5 erroneous late payments are damaging my credit and my ability to be approved for new financing opportunities.

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 2020-06-16
Company: EQUIFAX, INC.
State: NY
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:
In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Santander Consumer USA 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:
In XXXX of XXXX I got an auto loan for a XXXX Chevy truck with Santander Consumer USA that included Gap Insurance for covering losses not covered by vehicles value. Not sure exact time frame, but definitely within 2yrs the truck was in an accident while parked and unoccupied. Was a total loss not at my fault, and the at fault driver had not enough insurance to cover all vehicles involved. My " Under Insured '' policy feature and whatever at fault drivers policy coverage was put in play. Some how there was still a balance Santander said was around $ XXXX left owed after the truck was taken and sold at auction. They did not apply the Gap Insurance, and then reported the loan Charge-Off/XXXX. This date and Closing of that account should've been somewhere in/around XXXX. They actually properly stopped reporting Late or No payments for many months, then suddenly started again. And then however they continued to make negative reportings on my credit for years with the $ XXXX balance even though it was " Charged Off '', and still " updated '' monthly unpaid payments even into XXXX. This affected subsequent loan rates risk factor as it seemed to be recent bad payments, when in reality should have been many years back and now should be almost Removed because of the 7yrs. But instead it looks like only a few years back and still lenders see this bad history and fault me. This kind of " updating '' to keep negatives on consumers records should be XXXX  Abuse and they penalized. Why isn't it, and why isn't the Government protecting consumers from this financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: TransferWise Ltd
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello CFPB, XXXX XX/XX/2023, my Wise account was unexpectedly closed by the company. At the time of the closure, there was a significant amount of money in my account, totaling nearly {$2000.00} dollars. Following the account closure, Wise requested my bank details to process a refund to another account. 

In compliance with their request, I promptly provided them with the necessary bank information to facilitate the refund. However, despite 20 days since then, I have received no indication or confirmation that the refund has been processed. To add to my frustration, Wise has consistently informed me that they can not proceed with the refund. 

I have contacted Wise multiple times via various channels, including customer support, to seek clarification and resolution. Unfortunately, their response has been consistently disappointing and unhelpful. They have failed to provide a valid reason for the account closure and subsequent refusal to refund the funds. 

I sincerely hope that by bringing this matter to your attention, the necessary steps can be taken to rectify the situation. I believe it is essential for the company to honor its responsibility and provide a fair and prompt resolution, including the refund of the funds rightfully belonging to me. 

Thank you for your attention to this matter, and I appreciate any assistance you can provide in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I recieved a check in the mail, and I had asked the teller to please check to make sure the check was good before depositing into my account, I also asked him to deposit my workman 's comp check.. The teller stated that he would, I later got a notice that my account was closed due to fraud and that I would recieve my funds in the mail by Cashiers check still no check and its been over a year I had a little over {$200.00} left to be returned to me. My wife just had the same thing happen to Her same bank same issue this time it was close to {$2000.00} owed. They need to go after the fraudulent people and not the innocent customer. The banks name I US Bank XXXX XXXX  XXXX and 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 2023-08-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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  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 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 2023-04-13
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a current 20 year fixed rate mortgage with Rocket loans at 3.125 %. XXXX XXXX XXXX ID # XXXX called me on XX/XX/23 on a recorded call stating there was an opportunity for me to save money on my mortgage with them. I stated what my current rate and term was and that I did not believe he could save me on interest cost, as rates are currently much higher. He stated he had many ways to do this. One example he used was for me to refinance into a 30 year fixed rate at 6 % and then pay it off in 10 years. He said this would make my effective rate 2 % since it was paid in a third of the time. This is an outright lie. I tried to explain to him this is incorrect and that I work in financial planning, so I know how this works. He insisted he was correct and I further warned him this was an untrue and highly deceptive sales tactic. He became argumentative so I asked for a manager to file a complaint. He indicated no one was available and that I would receive a call the next morning. I did not receive a call.

My complaint is to bring light to the deceptive and untrue sales tactics that Rocket mortgage is using. This could cause major harm to a consumer who may not completely understand how interest cost is accrued. I previously worked in home lending for over 20 years and this was the worst display I have ever witnessed. In addition, I do not believe XXXX provided his NMLS ID when he called, which is a violation if I am not mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. As a new user, I have not had the opportunity to engage in any activities that could have violated PayPal 's terms and policies. 

I understand that PayPal prioritizes the security and safety of its users, and I appreciate the measures in place to protect the platform. However, I believe there might have been a misunderstanding or an error in the assessment of my account. 

I kindly request you to thoroughly review the situation and provide specific details regarding the reasons for the blockage and limitation. I assure you that I am committed to adhering to PayPal 's rules and regulations and would like to resolve this matter as quickly as possible. 

I would like to emphasize that as a new user, I have not initiated any transactions or taken any actions that could raise concerns. I am eager to comply with any necessary procedures to verify my identity and regain full access to my account. 

To facilitate communication, please use the email address associated with my blocked account : XXXX. Kindly provide updates or any further instructions through this email. 

I am more than willing to provide any additional information or documentation required to verify my identity and resolve this issue promptly. Please let me know the steps I need to take to rectify the situation. 

Thank you for your attention to this matter. I greatly appreciate your prompt assistance in addressing this concern and enabling me to fully utilize the PayPal services. Should you require any additional information, please do not hesitate to contact me. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: VA
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:
Student loan is paid off. But still reporting on my credit as not paid.

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 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of XX/XX/21 when BBVA shut down Simple Bank I have had XXXX visibility on my funds and can not access them online whatsoever. They have shut down their customer service line - despite what they claim on their XXXX page. They claim their lines are open for extended hours but when you call in you get a recording saying they're not available and to call back later. There has been no official statement and other users have shown that what they have claimed on XXXX is false. Automatic bill pays are not processing, our routing numbers have changed, there is no guarantee our direct deposits will process, our debit cards have started declining, the list goes on. People are unable to pay their bills and access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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: Account information incorrect

Complaint:
Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the XXXX credit reporting Agencies XXXX, XXXX  and Transunion that the incorrect report of 90 days past due mortgage will be corrected and the XXXX XXXX would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a XXXX XXXX below XXXX and a credit report from the XXXX agencies reporting a 90 day past due mortgage report by XXXX XXXX XXXX XXXX Loan servicing. It has been XXXX year since XXXX  received a full payment by the XXXX XXXX on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the XXXX credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the XXXX agencies credit report past due mortage with XXXX, the XXXX XXXX reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and 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 2022-03-11
Company: AR Resources, Inc. (FL)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had a emergency hospital visit XX/XX/2022. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company A R Resources NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. This collection in itself is inconclusive and possibly fraudulent. Please remove this. Seeking possible litigation if not resolved. This is erroneous information which is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have never refinanced my mortgage before. Proof of Satisfaction of Mortgage file with XXXX XXXX XXXX clerk office for property at XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX. Illegal transferred my home for {$1.00} ( one United States dollar ) to XXXX Bank. Fraud and theft of property, manipulated insurance claim funds with frivolous 1099 income with IRS when no mo et was actually tender. Cashed my $ XXXX check without my signature. Acknowledging frivolous filing my XXXX the previous services. 
Also, recently altered my Insurance check with incorrect claim number for {$49000.00} and {$30000.00}.

Company response to consumer: Closed with explanation