BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my concern regarding the inaccurate and incomplete credit information that is currently listed on my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes, in accordance with FCRA 15 USC 1681. I respectfully dispute the following items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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: PA
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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: FL
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX, Account name : XXXX XXXX XXXX - Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX / XXXX - Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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
Consumer complaint received 2022-12-25
Company: EQUIFAX, INC.
State: KY
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 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 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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a call from chase bank ( which I later learned the phone number was manipulated ) and a man asked me my name, confirmed my card number, and stated someone in NY was attempting to purchase {$900.00} worth at a macys which I said I did not authorize they asked for my pin which I did not give and hung up immediately. I called chase to see if they called me to which they said they did not. I received suspicious emails shortly after from a fake chase email which looked legit and I did not respond. Shortly after I noticed XXXX wine withdrew {$2400.00} from my bank account at a chase atm in XXXX XXXX. I called chase to report the unauthorized transaction and they froze the account sent me a new debit card and they didnt credit me my stolen money back. On XX/XX/XXXX I called chase and they stated the claim was closed I immediately asked how and they said someone used a digital wallet to steal my money theh credit me the money back and on XX/XX/XXXX they took the money all back and Im left with {$30.00} in my bank account. Ive been a chase customer for over 10 years. They said they closed the claim and took my hard earned money back because the criminals used a pin to access my money. They refuse to pull up footage at their own branch which would show its not me. Chase bank are thieves and dont back up their loyal customers nor protect them from theft. I have nothing now I never gave my pin our no one accessed my phone I was hacked and they could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Approximately XXXX days ago, I received an escrow statement from my mortgage company ( NewRez ). While reading it, I noticed that the charges for my escrow ( taxes and insurance ) went from {$32.00} all the way to {$220.00}. And, if I don't pay the {$220.00} by XX/XX/XXXX, this amount will be added to my regular mortgage payment of {$460.00} ; this is not right. My common senses tell me that NewRez is trying to XXXX me over any way they can. This is the fourth year I have had issues with this company. It does no good to call them, therefore the only recourse is to make a complaint, which I feel is legitimate. By the way, I want to mention that my mortgage was unfortunately sold to this lousy company. 

I have lived in my condo for 20 years, and I have never had issues with my former mortgage lender ( XXXXXXXX XXXX ). Unless I have an adjustable mortgage, which I do not have, my mortgage payments should not balloon up. There is no way I can afford a huge increase in a mortgage, while dealing with a huge increase in my maintenance fee and condo insurance. I know that the escrow ties into the flood hazard insurance and taxes that my condo association pays. I have sent NewRez proof of this over and over. 

During my first year in my condo, I was informed that whenever there is a shortage ( which should be a small amount ), my mortgage payments will increase just a few dollars. What is questionable is a shortage that is close to {$1000.00}. This is extremely upsetting! I also want to add that I forgot that I was referred to your office for a resolution. I have made several complaints to the XXXX. I really wish more and more people would file complaints because there is strength in numbers. Posting negative reviews does no good. Attached is some information for your review. I look forward to hearing from you. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon my request for verification and getting this false late payment account updated, and in accordance with its standard procedures, Transunion did not evaluate or consider any of my information, claims or evidence and did not make any attempt to substantially or reasonably verify the XXXXXXXX XXXX XXXX  billing error on my credit report. it is alleged that Transunion might have forward some notice of the dispute to XXXX XXXX  and XXXX XXXX  failed to conduct a lawful investigation. I have my evidence so i demand this situation be handled. XXXX XXXX  have thousands of negative reviews on XXXX, the XXXX, and the CFPB website for problems with their credit reporting of false late payments. I asked that Transunion conduct a complete and thorough investigation into this matter. As i know Transunion disburses consumer reports to third parties under contract for monetary compensation which is one reason they are not conducting a complete 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
XX/XX/XXXX filled a dispute for Cap1/XXXX account XXXX 30 days late. Spoke with CAP1 and XXXX. XX/XX/XXXX dispute resolved and notified being fixed. 
Score goes back up XXXX or so points. 
XXXX score goes back down again and the late pops back up again on same account! 
Filed dispute and not corrected! 
If you look at my completed disputes you will see fixed in XXXX XX/XX/2023 and same dispute filled again in XXXX for same issue with results XX/XX/2023. Only this time they didnt correct! Why is this so difficult. I dont miss payments and I'm almost XXXX yrs old!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi Bank does not want to credit me for a flight that I booked with an airline that went out of business and I have never received their service. I received a credit for the one flight, inbound but not for the outbound. They come up after weeks and weeks of " investigations '' with standard computerize answers and even though my attorney ( see attachment XXXX and XXXX ) sent two formal letters they do not care and say, its too late now ( XXXX XXXX XXXX ). We started a dispute right after the incidence happened and now they come up with this. Why they credit me for the inbound flight but not for the outbound? Nobody really takes a look into this from Citi Bank. 

Btw : Citi Bank is the worst service ever. Choose another bank

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 monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
Upon my request for verification and getting this false late payment account updated, and in accordance with its standard procedures, Experian did not evaluate or consider any of my information, claims or evidence and did not make any attempt to substantially or reasonably verify the XXXXXXXX XXXX XXXX  billing error on my credit report. it is alleged that Experian might have forward some notice of the dispute to XXXXXXXX XXXX  and XXXXXXXX XXXX failed to conduct a lawful investigation. I have my evidence so i demand this situation be handled. XXXX XXXX have thousands of negative reviews on XXXX, XXXX XXXX and the CFPB website for problems with their credit reporting of false late payments. I asked that experian conduct a complete and thorough investigation into this matter. As i know Experian disburses consumer reports to third parties under contract for monetary compensation which is XXXX reason they are.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 2022-12-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Affirm Holdings, Inc
State: NY
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 call the company and XXXX XXXX time to advise the account is showing late on my credit report for the company Affirm Inc . I did do any business with this company. 2 XXXX XXXXXXXX this account was open XX/XX/2014 I never did business with this company for the past 8 year I AM CALLING XXXX AND LKET THEM KNOW THIS ACCOIUNT WAS AN IDENTIFY THIEF UNDER MY NAME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My ex wife took out a VA loan on XXXX XXXX XXXX, XXXX, KY XXXX. She is a veteran. I am not. My name was not on the deed when this loan was taken out. My ex wife refinanced the loan with Rocket Mortgage. Rocket Mortgage let me know my name would go on the deed upon refinancing. That did not happen. However, they did put me on the mortgage. I found this out when the house was to go upon the market for sale. The listing agent told me I had no ownership of the home. Please see attached report from the XXXX XXXX Kentucky assessor showing I am not an owner of the property. A copy of the accepted purchase contract is also attached. I am not an owner of the property so only the owner of the property is on the purchase contract. The property is scheduled to close around mid XX/XX/XXXX. The closing title attorneys are XXXX XXXX XXXX in XXXX, KY. I believe their phone is XXXX. 

My ex wife quit paying on the home XXXX and XXXX of XXXX. We lived at different residences. I found out since she was not paying the house payment my credit was being negatively impacted. So I started paying the house payment for XXXX XXXX XXXX even though I had been living at a different address for over XXXX years. I did not want my credit ruined. I don't feel it is fair that I'm being negatively impacted on my XXXX XXXX for a home I do not own. 

I'm trying to purchase a home. I contacted my mortgage lender. Due to the XXXX late payments my ex wife did not pay, FHA will not approve me for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear XXXX I am writing to reopen my case regarding the complaint against PayPal, which was closed after their response. I appreciate your assistance in addressing this matter once again. Please find below a detailed description of what happened, including relevant dates, amounts, and actions taken : Description : PayPal permanently limited my account without any explanation and has been holding my funds for 180 days. This limitation and withholding of funds have caused significant inconvenience and financial distress. I am seeking a resolution to this issue. 

Actions Taken : On XX/XX/XXXX, my PayPal account was permanently limited without any prior warning or explanation. 
I have attempted to contact PayPal 's message center for assistance, but they have been unhelpful and failed to address my concerns. 
PayPal representatives repeatedly stated that I could not withdraw my funds to safeguard against potential chargebacks from buyers. However, I have never sold anything using PayPal, and all my funds come from personal transactions with friends and family. 
I also kindly ask paypal to tell exactly what tos/aup/ rules i broke to get my account perm limited in the first place. 
I have received money exclusively through PayPal 's Friends and Family feature, as well as from my PayPal account balance. There is no possibility of anyone initiating chargebacks for these transactions. 
Request : I kindly request that XXXX  redirect this complaint to the appropriate department that can address international cases, as I understand this falls outside the jurisdiction of PayPal 's United States offices. 
I also request the forwarding of the original complaint reference/message number for proper tracking and documentation. 
Please emphasize the urgency of this matter and the need for a satisfactory resolution that includes the withdrawal of my funds without any further delay. 
I deeply appreciate your assistance in reopening this case and ensuring that PayPal addresses my concerns properly. I believe that with your involvement, a fair resolution can be reached, and I can regain access to my funds. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely

Company response to consumer: Closed with explanation