BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to remove and block certain accounts on my credit report, which have been reported as a result of identity theft. I believe that TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) concerning identity theft provisions, specifically Section 605B, which mandates the prompt removal and blocking of inaccurate information. 

I have taken appropriate measures to address the identity theft issue and have provided TransUnion with all the necessary documentation and evidence to support my claim. However, TransUnion has failed to comply with the FCRA by not removing and blocking the following accounts within the required four-day timeframe : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX It is my legal right, under Section 605B of the FCRA, to have this information promptly removed and blocked from my credit report, as it is a direct result of identity theft. The law states that consumer reporting agencies must act swiftly to prevent further damage to my credit and financial reputation. Therefore, I kindly request your intervention to ensure that TransUnion fulfills its legal obligations in this matter. 

I have attached copies of the following documents as evidence of the identity theft and my efforts to resolve this issue : A copy of the Identity Theft Report filed with [ Local Law Enforcement Agency ] on [ Date ]. 
Any other relevant supporting documentation. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA by promptly removing and blocking the aforementioned accounts from my credit report. This is crucial to rectify the harm caused by this identity theft and to safeguard my financial well-being. 

I would appreciate your prompt attention to this matter and request that you keep me informed of the progress and any actions taken. 

Thank you for your assistance in resolving this matter and upholding consumer rights and protections.

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 2023-05-23
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Chime twice about a XXXX XXXX card that was fraudulently opened using my email address, my name and possibly my XXXX. I called their customer service number and selected the fraud option. I explained that I believed my email and information was used to fraudulently used to open a Chime debit account. It was sent to my son 's address in another state, since I had co-signed for his college apartment. I explained that I found out about it because I received an email stating that the card was on the way. The representative went in, found the account and told me that he changed the email address. to something else. I asked for more information on the account as it was fraud and they said that they just removed my email from the account and that was it. I asked to be transferred to someone in the fraud department because I wanted to know what they were going to do and to have them provide me more details. I did get a reference # and the person told me I would get an email. I persisted and they said I was being transferred. Nope, right back to account management. I then got an email stating that my account 's email address was changed to something else that was similiar by different than my real email address. 

Later that day, the XXXX debit card arrived. I called back and asked to speak to a supervisor because the incident did not get taken care of and I was not confident unless I spoke to a supervisor. For 20 minutes the representative kept asking to help and saying all supervisors were busy. I mentioned I would wait but after 20 minutes, the representative terminated the call saying I was unwilling to work with them or something like that. 

Chime is not interested in dealing with reported issues of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: NEW YORK COMMUNITY BANCORP INC
State: VI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Flagstar called me multiple times between XX/XX/XXXX and XX/XX/XXXX to offer forbearance during pandemic. I accepted forbearance from XX/XX/XXXX. 
In XX/XX/XXXX I informed Flagstar that forbearance is no longer necessary and would like my mortgage reinstated. I resumed making mortgage payments in XX/XX/XXXX. On XX/XX/XXXX I submitted a loss mitigation application and subsequently submitted supporting documents as requested by Flagstar. Despite my repeated monthly requests Flagstar kept my loan in forbearance whilst I was making regular payments. I eventually informed Flagstar that I would not make anymore payments until I received the new terms of my loan and my loan was no longer listed in forbearance. I received the new loan packet on Saturday XX/XX/XXXX and noted that the due date was XX/XX/XXXX. I informed flagstar that there was no way I could have the documents reviewed, notarized and submitted to meet the XXXX deadline. XX/XX/XXXX and XXXX are holidays here. I requested a new packet that allowed adequate time for review and submission. Flagstar did not honor my request. Instead I started receiving numerous calls from Flagstar encouraging me to apply for other federal relief programs. I repeatedly declined such offers and told the representatives that I just needed my mortgage reinstated as I no longer needed the relief.

Flagstar has refused to reinstate my mortgage and has instead opted to initiate foreclosure. I have found Flagstar 's actions to be predatory : Keeping my mortgage in forbearance even after I requested that forbearance be stopped, was making payments, and completed loss mitigation application ; the incessant calls trying to get me to apply for other federal relief even after I informed flagstar that relief was no longer needed and submitted documentation demonstrating such ; demanding lump sum payment for reinstatement. I feel that Flagstar purposely kept my loan in forbearance for the maximum time allowed by law and failed to then reinstate my mortgage in time per pandemic guidelines. Flagstar is still refusing to reinstate my mortgage that I qualified for and submitted the necessary documentation for since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: FIRSTBANK PUERTO RICO
State: PR
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:
The XXXX XXXX XXXX Credit Card First Bank XXXXXXXX XXXX mentions, WAS NOT A CHARGED OFF, COLLECTION, OR PROFIT LOSS : WAS PAID AS AGREED DIRECTLY TO XXXX, NOW PART OF FIRST BANK XXXX XXXX : THE XXXX PROCEDURE THEY MENTIONED IS AGAINST THE FAIR CREDIT REPORTING ACT ; XXXX EVEN TRIED TO PRESENT THE CREDIT CARD AS A BUSINESS ACCOUNT SO THE FAIR DEBT COLLECTION PRACTICES ACT WOULD NOT APPLY BUT IT WAS NOT A BUSINESS ACCOUNT ; XXXX PROHIBITED ME TO CONTINUE TO PAY MY FULLY UPDATED XXXX LOAN UPDATED XX/XX/XXXX RETURNING MY LAST PAYMENT OF XX/XX/XXXX BY CLOSING THE LOAN AND REPORTING IT PROFIT LOSS CHARGED OFF, SO FIRST BANK COULD KEEP CHARGING 34.95 % INTEREST LENDING THE SAME MONEY AT THEIR SUBSIDIARY CALLED XXXX XXXX, THEY ON PURPOSE CREATE FALSE PROFIT LOSSES AND FALSE COLLECTIONS WHEN THE TRUTH IS THE ACCOUNT STAYED AT THE ORIGINAL BANK AND WAS PAID DIRECTLY TO THEM WITHOUT ANY COLLECTION AGENCY INTERVENTION NO MATTER THEY TRIED TO INVOLVE A COLLECTION AGENCY WHEN THERE WAS NO NEED, EVEN TO THE SAME ACCOUNT ORIGINAL NUMBERS ACCOUNTS WERE PAID, UNLIKE WHEN PAYING AT COLLECTION AGENCIES. 
THIS IS CLEARLY A PATTERN OF WILLFUL CREDIT REPORTING ACT VIOLATIONS. 
THIS COMPLAINT IS TO ASK THE CFPB : WHY ARE YOU NOT DOING ANYTHING? 
WHAT THE CFPB IS THERE FOR? 
IS NOT TO CLOSE COMPLAINTS AND DO NOTHING WHEN BANKS DO SOMETHING LIKE THIS CLEARLY AGAINST THE LAW AND AFFECTING PROBABLY MILLIONS OF PEOPLE THAT ARE NOT FILING COMPLAINTS BECAUSE THE SAME COURT SYSTEM IS INFLUENCED BY BANK LAWYERS WHICH ARE RECEIVED BY JUDGES THE SAME DAY YOU ARE APPOINTED BUT YOU ARE NOT ALLOWED TO ENTER? 
SEE SUPREME COURT PETITION INCLUDED UNDER QUESTIONS FOR SUPREME COURT ; XXXX XXXX XXXX AND XXXX XXXX XXXX JUDICIAL MISCONDUCT, WHICH WAS ALLOWED? 
JUST TO REQUEST A FEEDBACK DOES NOT SHOW THE CFPB IS DOING THEIR JOB, MUCH LESS THE CFPB JOB IS TO REQUEST FEEDBACK WHILE ALL THIS KEEPS HAPPENING AND NOBODY DOES ANYTHING TO NEVER TO HEAR FROM THE CFPB AGAIN? 
WHAT IS GOING ON?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received an Email stating that a hard inquiry hit on my credit report and a chase email saying my application for a chase credit card is being reviewed. I knew then that someone has tried opening up a credit card with chase using my information. I do not know how they got it but they did. I called Chase on XX/XX/2023 to confirm that an application has been made and they said yes and I told them I needed that application closed and the hard inquiry out of my credit report. The lady on the phone was sympathetic and did as I asked. She said ill have an email in 5-7 days regarding the fraudulent application. I felt that i needed to report this here as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I discovered that XXXX XXXX XXXXXXXX XXXX, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. XXXX XXXX, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. XXXX XXXX was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX  of Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against 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 2023-04-18
Company: Experian Information Solutions Inc.
State: MO
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/2023 i sent a certified letter to all XXXX credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from XXXX XXXX and XXXX XXXX never recieved a anything about a reinvestigation and i want these negative items removed immediatly

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 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$8000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2023-10-07
Company: EQUIFAX, 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:
During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on Equifax ( XXXX unauthorized inquiries ), XXXX ( XXXX unauthorized inquiries ), and XXXX XXXX ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Flandreau Santee Sioux Tribe
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received a voicemail with a case number and a callback number. Immediately after receiving this voicemail they called my sister trying to track me down. They were looking for me under my former married name which was legally changed back to my maiden name in XXXX as part of my divorce. I was told I was speaking to XXXX XXXX with XXXX XXXX XXXX XXXX. I was told I was going to be sued by VIP Loan Shop for breach of contract and malicious intent to evade payment. I was told they sent me a letter via standard mail XXXX days ago informing me of my debt. I never took out a payday loan. They claim the loan was taken in my name under my social security number and date of birth in 2010. I asked why this was just now being brought to my attention XXXX  years later. When I informed her I must be a victim of identity theft she kept repeating that I was ethically responsible for the debt, and because they hadn't received a response to their later they proceeded with a process server to issue me a summons to court. I asked her how I was supposed to respond to something I never received she told me she was a neutral party and could only tell me my case was going to civil court. They claim the loan in XXXX was for {$990.00} but due to interest I know owed {$1700.00}. She also told me my account showed in good standing in 2010, but just recently went delinquent. There were too many inconsistencies and refusal to provide information. Upon researching it, the initial phone call came from Rent To Own Hm XXXX. This phone number appears to belong to a bakery in XXXX, XXXX. The numer I was give to call back was XXXX. The person answering refused to give me a business name. None of what I'm be accused of happened as I regularly check my credit report and no payday loans exist. I advised XXXX that I was filing a police report for identity theft and would hire a lawyer if necessary. She then told me " hiring a lawyer will be really expensive and you'll also have to pay court costs unless you resolve the debt. '' I told her no thanks, I would proceed with the police report and lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
acima digital fka simple in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX simple I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-04-18
Company: EQUIFAX, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: IN
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. 

XXXX XXXX : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX/996, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- 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 explanation