BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to report unauthorized hard inquiries on my credit report that I did not initiate or authorize. These unauthorized inquiries have negatively impacted my credit score, which may subsequently affect my financial opportunities. 

1. Details of Inquiries : On XX/XX/2023, I noticed XXXX unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXXXXXX XXXX XXXX XXXX 

2. Immediate Actions Taken : I promptly contacted all the credit bureaus involved. XXXX was cooperative and removed the unauthorized inquiries within XXXX hours of my request. 
However, when I reached out to TransUnion and XXXX, I faced challenges. They suggested I contact the creditor directly for a dispute letter, a step I found unnecessary given the unauthorized nature of these inquiries. 

3. Additional Concerns : Despite my efforts to resolve this with TransUnion and XXXX, their processes and timelines seem prolonged, which increases my concern about the undue negative impact on my credit standing. 

I'm looking for an expedited resolution to ensure my credit report accurately reflects my financial behaviors. Given the immediate effect these inquiries can have on my credit score and the potential long-term implications, I believe swift action is required.

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 2022-01-08
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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive recently checked my credit report and saw accounts reporting that I have not authorized or given these companies permission to publish on my credit report Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I made a HELOC mortgage years ago and while i was a resident of the US since XX/XX/XXXX i thought i understood what the terms were however after 10 years i learned the entire principle amount of over {$40000.00} was due. This was in XX/XX/XXXX. From that time until right now i have made a payment each and every month to lenders ( or debt collector may be a more accurate phrase ) servicing this loan. I even reduced the principle over {$10000.00} during that period. On XX/XX/XXXX i applied for a new mortgage and was very surprised to learn i was declined and can not buy a new house because the company reporting the loan which was the HELOC is reporting me well over 90 days late each month for almost all XX/XX/XXXX and back prior. I do not see how this is fair that i make payments to them in amounts they ask and yet they show me very late- to the point of not being able to buy a house for me and my XXXX children ( i am a single mother ). The company reporting these tales which cost me my new loan is Real Time Solutions and now it is sent to XXXX XXXX XXXX point and they too show tales.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
When XXXX went out of business and consumers had credit cards issued through XXXX XXXX we were not offered the ability to have the interest rates lowered. As this company is no longer in business, and consumers are no longer able to utilize the credit card I had asked to have my interest rate reduced. I received the following information on XX/XX/2019 : If XXXX XXXX  does offer a lower APR, to be eligible, an account must : Be active Have a regular purchase pattern Receive payments on time each month Meet the minimum available credit criteria At this time, your account does not qualify for a lower APR, due to not meeting one or more of these requirements. 

There are several problems with their response : Be Active : account was until XXXX went out of business Have a regular purchase pattern : there was, but not now, as business is closed Receive payment on time each month : In the years I had the card, late maybe twice So, basically because the business is no longer functioning the consumer is unable to get a reduction in interest rate. I think this is abhorrent and once a company goes out of business interest rates should be reduced as the consumer no longer received service from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: MoneyLion Inc.
State: NY
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:
Someone got a hold of my XXXX XXXX card with moneylion and charged more than {$1000.00} all in one day. Moneylion claims that because he used my PIN, the charges can't be refunded.

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 2023-10-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.

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 2015-10-18
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RE : Nationstar MortgageNationstar purchased my loan from XXXX XXXX XXXX and I have been nothing but unhappy. They are charging unnecessary late fees, that keep accruing because they will not accept any of my payments. I have requested a loan modification and I have to repeatedly resend documents I know they have received. When I call customer service they keep transferring me and I have left several messages for them to call me back. They have sent foreclosure letters but I can not get any one to answer my questions as to why. My home insurance company has stated they have n't received any payments from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: PA
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, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capitol One XXXX Credit Card which I opened around XXXX. I have a {$450.00} limit which a submitted a {$200.00} deposit to get that amount. It is used similar as a pre-paid card, I put money on it and make purchases with it. As the balance runs low I reload it from my XXXX XXXX Checking Account. I have always used the same checking account to add money to the Credit Card and make multiple deposits throughout the month. 

I never had any issues until about XX/XX/XXXX. I made a {$350.00} deposit into the card to pay for a rental car and fuel for an upcoming trip. After XXXX days the {$350.00} was not placed into my available funds, however I did received an email from Capitol One that they received the deposit. I spoke with a XXXX with Capitol One and was told they placed a 26 day hold on the money and there was nothing they could do. I was never notified of any type of hold and I was told that they sometimes place holds on funds. This had never happened prevousily. 

On XX/XX/XXXX I made a {$200.00} payment into my account and on XX/XX/XXXX I made a {$150.00} payment to my Capitol One Credit Card. After XXXX days I received emails from Capitol One stating they received my deposits, however again It was not credited to my account for me to use. I contacted a XXXX XXXX, and was told that they placed 26 day holds on both amounts and I wouldn't receive the use of my money until XX/XX/XXXX. I was told again they have no control on holds being placed. Once again I was never contacted that they were placing holds on my account. No reason was ever given for these holds, Since I have made multiple deposits every month for years, no payments were ever missed, I have a credit card which if I want to use will have to place additional funds into up to the maximum of {$100.00}, since my limit is {$450.00} and they have {$350.00} on hold. I ask XXXX what if they place a hold on another deposit and she told me I could go to XXXX of their ATMs or XXXX and place a deposit. 

I am stunned as a XXXX Veteran at their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Personal information incorrect

Complaint:
Upon reviewing my credit report, I observed inaccurate informations that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.

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 2023-06-14
Company: Block, Inc.
State: SC
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 the day a payment was due my purse was stolen at XXXX XXXX in North Carolina. My purse had my credit cards, drivers license, XXXX XXXX XXXX XXXX  phone and some other things. I was without a phone for 2 days I didn't get my duplicate drivers license back until XX/XX/2023. I had no way to communicate with any app or pay any card bill due to this happening. and Afterpay has failed to work with me on this matter knowing that it was beyond my control. They are unwilling to cooperate and each member that responds to my messages all just be all over the place with talking and not understanding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
I'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX Mutual Account or Ref # XXXX XXXX ref XXXX XXXX XX/XX/17 XXXX XXXX Bankruptcy.. and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX, GA XXXX These accounts have 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years. 
15 U.S.C. 1681 s-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 in accurate

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 2022-11-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize to open a line of credit with XXXXXXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOEXXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/2021 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 XX/XX/2021

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 2023-03-17
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

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 2021-12-04
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
CFPB Template On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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: Account information incorrect

Complaint:
Since few days ago I received several calls to my mobile phone XXXX which I thought were a scam trying to collect debt. I got worried and ( yesterday XX/XX/XXXX ) I checked my credit score and to my surprise I discovered that my credit is lower than usual ; after spending a lot of time trying to figure out why this was happening I discovered the reason. I have become a victim of Identify theft!. I never authorized nor have any knowledge regarding that account which was opened on XX/XX/XXXX ( 9 mos ) and then closed on XX/XX/XXXX with an outstanding balance of {$1000.00}. The first thing I did the same day I discovered this problem XX/XX/XXXX was to contact the bank and open an investigation with them ( the investigation # is XXXX ). Also I have open an investigation with the 3 credit bureaus. Also I froze my credit report with XXXX. Today XX/XX/XXXX I have contacted you also asking for help fixing this problem that is ruining my excellent credit history! 

ABOVE THE AMOUNT PAID is the dollar amount put on that credit card {$1000.00}.

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 explanation
Consumer complaint received 2023-06-14
Company: CORELOGIC 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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