BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On  XXXX   XXXX ,  2017 , I sent Transunion a lette r 3 wee ks prior regarding several inquiries that were not authorized by me. I wanted to check the status the representative then sent me to a supervisor. Supervisor was extremely rude. I asked him if any of the inquiries were coming off because I am going to open a new account but do n't want them to open the account and issue me high interest due to inquiries that were not mine. He told me none of the inquiries were coming off. I advised him several times that they were not authorized by me. He told me to contact the companies, which I already did. Those companies advised me to dispute with Transunion. He told me he and the company refused to delete them. He advised me to make a police report. I do not have time to make a police report for something that happened without my conse nt 1 or m ore years ago. I tried to explain this to him and he completely refused to honor my request. I am trying to rebuild and establish new credit, these inquiries are preventing that.

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 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( XXXX  and Transunion ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my Transunion and XXXX. 

XXXX  : XXXX XXXX ( 2 times ) and XXXX  Transunion : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), 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 explanation
Consumer complaint received 2023-01-25
Company: Credit Karma, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have credit karma app. The app would tell me I need a new card to help my credit and to build more credit score up. They would say I'm approved for these 3 cards or so then I would apply and be denied. Which in return doesn't help my credit it makes it worse. They continually push these cards on u saying they will help you. When in actually it doesn't help you it hurts you even more. That is misleading and false this has set me back months maybe more.they should have to held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 
XXXX5 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 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 2023-10-02
Company: EQUIFAX, INC.
State: GA
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:
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.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$9200.00}

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 2020-03-26
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am somewhat concerned about the escrow balance amount of {$2400.00}. You may not be aware, but three companies have served this debt, namely, XXXX XXXX, XXXX XXXX, and currently NewRez LLC. As recently as XXXX XXXX XXXX did an escrow analysis thus balancing the account. Nevertheless, XX/XX/XXXX other analysis required a payment of {$550.00} to balance the escrow account. Now you are requesting XXXX to balance the escrow account. The XXXX City taxes were down in XXXX and I do not believe my homeowners insurance increased by XXXX. Again, this mortgage debt has been discharged in bankruptcy and any cost associated with that bankruptcy can not be charged to this account now. I am contesting this escrow balance account amount and requesting an analysis be provided with payments and actual escrow expenses included within the analysis, thank you for your understanding.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2022-04-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I applied for a job that was remote. Had the interview and the next day I got hired. The company sent me a check to go buy supplies. I deposited the check and the next day, the funds were available. I then went out and purchased XXXX XXXXXXXX XXXX XXXX, a XXXX phone and XXXX gift cards totaling 1,000 dollars. 
I was then instructed to send the computers and phone to the companies vendor to have installations of programs downloaded. I did that and the next day, the check wouldnt clear. Im out XXXX. 
Because I deposited the check and then spent the money, the bank is holding me responsible. I showed them all information, police reports and receipts and they didnt care. 
I did receive an email from XXXX stating I answered a job application that was a scam, however, that went to my spam folder and the damage was already done. 
Now Im having to hire an attorney to try and keep my credit cleared of this. 
Huntington Bank was awful to me and just kept saying that Im responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, I was affected by XXXX in XXXX XXXX XXXXs and XXXX after, Im appreciative and was approved for HAF program I currently have freedom mortgage as my servicer and I let them know my HAF was pending when doing a loan modification I was approved for HAF they were paying the entire amount that was on my partial claim and extra to pay a few months and actually allow me to catch up with other bills like my XXXX electric now at risk for disconnect, freedom mortgage actually sent the HAF payment back I was dumbfounded Ive called and messaged both HAF and freedom mortgage but it seems Im in a limbo and now have no idea what is going on.! they approved me for XXXX they returned XXXX please help as this is insane and Im just getting the run around thank u XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Also I has an overage in money on mortgage they wind up keeping that as well please 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 explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, 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:
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ======================================= UNAUTHORIZED INQUIRIES : XXXX XX/XX/2021 XXXX XX/XX/2021 ======================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
When I reviewed my Credit Report there are still erroneous accounts that are included in my file. I sent a complaint earlier this year specifically on XX/XX/2023, to dispute these accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2017 i made a uniformed decision on XX/XX/2017 when I entered the mentioned consumer transaction. At the time I was not aware of the money or costs it will cost me personal, financially, physically, and mentally, to do business or extend my credit to this company. I didnt understand the meanings statedand it was not clear and conspicuous to me at the time. i have been attemping to urchase an assset but but because of this i am not able. I beleive because there is no evidence of a debt only these papers of some type of copied papers of statements the comapny continue to show and this allegd agreement. 
The agreement should be voided because I made a uniformed decision and didnt understand none of it. I could have made a better choice if I knew the details in full. 

Also i don't have any business dealings with company named XXXX, the attatched is not evidence of indebtedness. please delete from my 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 2023-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-11
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Around XX/XX/XXXX I attempted to close my credit account with Wells Fargo. 

Believing the account closed, I securely disposed of my card. 

Around XX/XX/XXXX my closed card was charged from a streaming service that was authorized to make a charge by me in the previous year. This charge was {$59.00}. I had not taken steps to stop this transaction because I believed the credit card to be inactive and unable to be charged. 

Upon calling Wells Fargo around XX/XX/XXXX, I was informed the account was not closed and I ended up asking the account to be closed again. They said the charge was going to be disputed with the streaming service merchant. They " closed '' the account. 

On XX/XX/XXXX I was informed that I needed to affirm my " new credit card '' from Wells Fargo. Upon inspecting the web portal it became apparent that Wells Fargo had issued me a new card, without any authorization from myself, for my " closed account. '' On XX/XX/XXXX I called Wells Fargo a third time. They informed me the account was still not closed and were surprised to hear I had not requested another card. I asked them if the account was closed. They said no. I had them " close '' the account once more. To my knowledge the {$59.00} is still being disputed.

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 2020-10-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent a police report, photo ID, social security number, and utility bill to Equifax a number of times. However, Equifax declined to put a seven-year extended alert on my credit a number of times. Due to Equifax 's data breach, the door was opened for the theft of my identity, yet they're telling me to prove the identity breach occurred ( XXXX XXXX, id XXXX )! Not only was that absurd, but this information is easily accessible to the entire world on the FTC site- Equifax Data Breach. 

XXXX and XXXX agreed to put a seven-year alert and security freeze on my credit, ( attached ). I am re-submitting all of the documents to CFPB, as I do not trust Equifax. I strongly suggest to ban this company, which can not even find/admit to their own data breach record, from doing business in the U.S.A. 

Note : Earlier CFPB complaint against Equifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
I received a copy of my credit report and noticed inquiries from companies that I did not apply for an account with, nor did I give permission for them to access my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to these companies to inform them that I hadn't applied for an account with them and to make sure an account wasn't opened. All advised me that no account was established in my name. I then reached out to notify the credit bureau Transunion of the fraudulent inquiries that appeared on my credit report as a result of this attempted fraud. They asked me to mail my dispute in by mail along with a report from the FTC, which I did. I have made multiple attempts to fix this issue with Transunion to no avail. I have explained the situation to multiple agents, I've sent letters ( per their request ), and I have filed a fraud complaint with the Federal Trade Commision and submitted this documentation to Transunion. In accordance with the Fair Credit Reporting Act this violates my rights. It is unlawful to knowingly report inaccurate or fraudulent information on a 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