BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Someone has been using my social to open many accounts and receive government grants and loans and I dont know what else its been happening since 2020 I believe I honestly barely noticed and Ive been devistated ever since Im scared for me and my familys safety every email that I created was took from me and today I was able to get into an old email that they used and i seen a message from my daughters school saying they received inappropriate pictures and videos from my email I dont know what else to do they been making accounts receiving grants in my name and loans and credit cards they have saved pictures from my XXXX accounts that I cant access any more as well I just want help and all this over with please Im only XXXX my daughter is XXXX Im in fear of my life cause I dont know who they are and why they are doing this and no one is contacting me fast enough my whole family is scared to even answered unknown calls because of whats been going on or be on there phone because we think we are being watched from our devices just please help me I dont even know how long it will be before they take the email I created they already got into my credit protection accounts and ID me for the IRS just please help if my email gets compromised please contact my mom @ XXXX to reach me please respond asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-09-18
Company: EQUIFAX, INC.
State: FL
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 have been violated by the XXXX, Equifax and XXXX XXXX reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with XXXX XXXX As well. I have already sent XXXX XXXX an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand XXXX, XXXX and XXXX XXXX to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXX. The card was placed as an account on XXXX XXXX. How does that even make sense. I have pictures to prove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The credit union has frozen my checking and credit card accounts, and told me an investigator will be calling me eventually. They have provided no time table, and in the mean time my account is locked for withdrawing funds. I have already incurred a {$25.00} fee for a returned payment ; there was plenty of money in the checking account to cover the payment, but they are not letting any withdrawals occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Dear CFPB I would like to bring to your attention that transunion credit reporting agency are you conducting proper investigation! I recently asked them to conduct an investigation on inaccuracies on my credit report they sent me noticed via US mail stating that the account was verified and reporting correctly. So I reviewed my credit report I noticed that XXXX XXXX account was updated back in XXXX. My question is how could they verify a tradeline dated for XX/XX/2019. And the status update shows XX/XX/2019? This proves that their was no investigation conducted on transunion behave.see attached credit report. The FCRA clearly states that all consumers disputes must be 100 % investigated. In this case transunion has violated the FCRA as you can see factual base proof that they didnt investigate XXXX XXXX account and I would like for this account to be deleted immediately ( cfpb look at the status update still showing XXXX of 2019 lets keep in mind the credit report is dated XX/XX/2019 but yet in their comment the account has been verified. Nothing was done on transunion behalf clearly breaking the law! 
PLEASE DELETE THIS FROM MY CREDIT FILE DUE TO FAILURE TO CONDUCT A PROPER INVESTIGATION Sent from my 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 2020-06-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX ; I attempted to pay down my Citibank Premier Credit Card # XXXX, with a third party check {$2400.00}. A friend XXXX XXXX, owner of XXXX XXXX XXXX, owed me this sum. It was a payroll check issued from XXXX for his landscaping services. 

I deposited the 3rd party check along with a deposit slip, indicating that the funds were to be used for my Credit Card Payment. The ATM branch that I used was at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ( See attached - Exhibit 1 On XX/XX/XXXX, the bank reversed my payment. 
( See attached - Exhibit 2 ) After many months of disputing this situation : In XX/XX/XXXX, after an investigation by Citi was completed ; Citi REVERSED Incorrect Payment XXXX. However, this status was not maintained because on XX/XX/XXXX, Citi made a Reversal Adjustment XXXX and declined a second time, my payment of {$2400.00}. 
( See Attached - Exhibit 3 ) On XX/XX/XXXX. I received correspondence indicating that " on XX/XX/XXXX the Illinois branch bank requested us to return the {$2400.00} payment to them because they stated the payment was not intended for the above account ... ... '' ( See Attached - Exhibit 4 ) After each reversal that Citi made, I kept calling the customer service line to request further investigation which at first resulted in a solution. However after dozens of attempts more in trying to have Citi apply the {$2400.00} with no avail, I became exhausted and frustrated from this ordeal and stopped pursuing a resolution. However, I kept copies of all the receipts, statements, correspondence, etc. 

When a friend encouraged me to open a case with your agency, that I never knew existed, I decided to pursue a complaint and resolution again.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-01-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX Acct name 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: NJ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In XXXX, I checked my credit report as I often do on XXXX XXXX app. Transunion had removed all of my inquiries and I was very happy to see this. What I was not so happy about was the reinsertion of those inquiries days later after I checked it again. There was no notice on Transunion 's behalf. I have since then, tried to call a handful of times to get these inquiries re-deleted since they were reinserted without my knowledge. I have encountered some of the rudest people, one of whom actually told me you were not affected and there is nothing more I can do. When I asked to speak to his supervisor, he disconnected the call. I am very disheartened by the actions of the employees of Transunion in the multiple times I have reached out to rectify this situation.

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 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are XXXX TransUnion and XXXX Specifically ; XXXX XXXX Provides me My XXXX score and an explanation for any change as follows ; Your XXXX ( XXXX ) Credit Score is based on your TransUnion credit report using the XXXX ( XXXX ) Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by XXXX XXXX XXXX. The Credit Card offers a free XXXX score updated monthly. XXXX, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the XXXX Card explanation for change ( decrease in score ). 
Upon discussion with XXXX, they directed me to TransUnion, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame TransUnion who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, XXXX blames TransUnion, who blames XXXX XXXX ... who blames TransUnion. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either TransUnion '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their XXXX score, which in turn can have a significant negative impact on future borrowing costs

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : OFFICE OF THE ATTY GENER Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2022-11-06
Company: EQUIFAX, INC.
State: AL
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 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2018-09-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There was a pending transaction that fell off and they still overdrafted my account. I turned off overdrafting 6 months ago and it doesnt matter. They overdraft anyways. 

All dates and balances are in the screenshot I uploaded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a car loan on my credit for a car that I do not have I have tried to remove this, the information is in accurate this needs to be removed

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 2022-04-12
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial account # XXXX I purchased my lease for {$27000.00} this included NJ sales tax. 

I have not received any documentation from GM documenting that I purchased and paid sales tax. I CAN NOT register without this information.

I have called GM 11 times and have not received this information in spite of the fact that they keep telling me that I will I am asking for something in writing noting the sale price and the specific amount paid for NJ sales tax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Spring Oaks Capital, LLC
State: PA
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:
collections by Spring Oaks Capital , LLC. Account alleged open XXXX XXXX reported to credit bureau XXXX. Spring Oaks Capital LLC claims to have purchased debt on XXXX and states they allegedly sent a verification letter which I never received. They are reporting the original creditor as XXXX XXXX XXXX bank but state they purchased debt from XXXX  bank ... the report has the account being opened on XXXX XXXX which is false this is when spring oaks states they purchased a alleged old debt account not the date of which account was opened .the reporting to the credit bureau does not indicate the original debt nor the original date the account was open. The date could be older than 7 years but definitely older than the 4 month they are Misrepresenting in the reporting to the credit bureau. I have made numerous attempts to have this resolved through the bureau as well as other avenues

Company response to consumer: Closed with explanation