BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
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 fraud alerts or security freezes

Complaint:
I have a credit freeze with TransUnion. On XX/XX/2021, I lifted the freeze for the purpose of obtaining credit. A day later, when I attempted to open the new account, I was not able to and was told my TransUnion file was frozen. I thought I had made an error, so I tried once more. 

This time I lifted the freeze for three full days ( XXXX XXXX ). I returned to the store on XX/XX/XXXX and attempted to open the new account. Once again the credit check failed because my TU file was frozen. Although I have confirmation that the freeze was lifted, the credit check was stopped again. 

I found myself in a busy store, surrounded by strangers, on the phone having to repeat sensitive information to a credit representative at the company where I was seeking the account. I was able to obtain the new account, but the experience of reciting my personal information aloud in a crowded store was highly inappropriate. 

I have tried to contact TransUnion to learn what the issue was. I managed to reach a human by contacting the technical issues number, and the woman I spoke to, XXXX, was irritated that I had called that line, since my question was, in her words, " not my job. '' She transferred me to another line that offered only automated choices, none of which allowed a consumer to ask a question. I tried several of the automated selections for assistance, and each time ended up back in the loop with no option to speak with a representative.

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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 filed a dispute with Transunion on a collection account that is on my credit report. The company will not remove the account from my credit after the account as been paid and closed. I have talked to Transunion and they said they are going to remove the account because the collection company will not agree to it. A third party collection agency should not have the right to decide. They are a third party and have no right.

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 2023-10-27
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my check on the Chime mobile banking app on XX/XX/XXXX. Its now XX/XX/XXXX, and I still have no access to any of my funds. This has been extremely stressful as I rely on my checks for a majority of my bills and spending. They only send an automated message, no one actually tries to fix the problem. I see multiple people experiencing the same thing, and its the same. This is by far the worst app I have ever used and I wish I never downloaded it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is a continuation of complaints XXXX, XXXX, XXXX, XXXX, and XXXX. Since we have received little information on what exactly they need to unfreeze our account, my wife and I did research online and found that USAA has a verify link on their site for verifying identify. On XXXX XX/XX/2023, my wife input our USAA ID, a picture of her drivers license, and received confirmation it was received by USAA and was notified that it would take about a day to complete verification. So they now have our passports, my wifes residency card, my wifes drivers license, my military orders ( showing our home address in XXXX and my duty station in XXXX ), and the phone calls my wife and I made to them communicating our information verbally. Our debit cards have been frozen since XXXX XX/XX/2023. 

I double checked my debit card by trying to use an ATM with it on XXXX XX/XX/2023 and received the notification on the ATM that my card had been reported lost or stolen. I was quite surprised since I have not reported this. This indicates that USAA has been deceptive in what they are telling me because they told me that my card was suspended. It seems they marked my card as lost or stolen after my call on XXXX XX/XX/2023 when calling about my wifes card not working. During the call, I asked what other information do they need to reinstate my wifes card. And after not receiving a clear answer, I asked that they send a written letter detailing me this information. The customer service agent seemed agitated when I requested this. It was after that call that my card was no longer available as an option to verify my identify when calling and I received a letter dated XXXX XX/XX/2023 providing very little information ( it seems they created the letter after my call but back dated it to before my call ). So it seems they marked my card as lost or stolen out of spite ( I documented my conversation with a supervisor in one of my earlier complaints where she checked on my card and I overheard her say to herself something to the effect of they even suspended his card at which point my call was transferred with nothing else being said by the supervisor ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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:
demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage Company, PHH Mortgage, Loan # XXXX lists paying my taxes from our Escrow account on XX/XX/XXXX. For {$1700.00}. 

However, the Town of XXXX Massachusetts still has not received that payment. I paid the taxes directly to avoid being in arrears.Taxes were due on XXXX XXXX. 

On XX/XX/2021 I faxed the Tax Department at the mortgage company with backup documentation. Since they say they may take 30 days to complete inquiries I waited 30 days. 

I have not heard from them. And because they say they paid out in XXXX when they refunded my escrow overage this amount was not included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments on XXXX XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or the customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a medical collection that was report on XX/XX/XXXX for {$5.00} that was added to my account by Paragon Revenue Group which has impacted my credit score. I have been to the Dr since XXXX of XXXX with no balance being due and now this was added to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of my home XX/XX/2016 from XXXX XXXX XXXX XXXX XXXX, NC XXXX. I owed for the months of XXXX and XXXX. My bill for XXXX was {$170.00}. XXXX and XXXX {$30.00}. When I tried to pay this amount XXXX XXXX would now let me pay. They had tacked on some {$5.00}?? something bill onto mine. The amount is now {$1100.00}. I have tried to call numerous of times throughout the years but like today, I have been on the phone for hours. It has effected my credit and me getting any type of loan. When I tried calling XXXX XXXX I spoke to 5 managers and noone knew why the bill was this amount, the couldn't find anything. One lady told me I only owed around {$300.00}. One manager sent me an itemized bill that adds up to {$550.00}. I am furious about this and do not know what to do. Bull City Financial has taken over and has been very rude to me. No one will send me any information regarding this matter. I have voice recordings of all the managers as well, if I need to provide. All stating they have no idea where this extra debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 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 2023-04-08
Company: Experian Information Solutions Inc.
State: NV
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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general -- A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Experian is reporting late payments from ( XXXX XXXXXXXX XXXX, XXXX ) 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Experian written instructions to report anything to my consumer report, let alone this late payments/utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I entered a forbearance plan with my mortgage company, XXXX XXXX. Shortly after, XXXX XXXX  hit my credit with a 60 days late during the forbearance period of XX/XX/2021 to XX/XX/2021. I contacted them about the issue and they sent me a credit correction letter and assured me the information would be updated and it was temporarily. My credit was restored and the late reports were removed. I continued making payments as instructed by XXXX XXXX  for the months XXXX, XXXX, and XX/XX/2021 and was officially removed from the forbearance plan. I then paid the remaining balance for the months missed in XXXX, XXXX, and XX/XX/2021 during the forbearance when I made the XX/XX/2021 payment. This particular payment in XXXX was for over {$12000.00}. Therefore, I was caught up completely and never paid anything late. Sometime after making the large payment in XXXX, XXXX XXXX  reported another 60 day late to the credit bureaus, despite all my payments being made according to their direction. I have contacted the company ( XXXX XXXX  ) for more than 30 days and have received no cooperation in fixing the matter. XXXX XXXX  denies reporting late payments to the credit bureaus entirely. I have filed disputes with the credit bureaus and I am still waiting on the results from XXXX and XXXX. Equifax however, sustained the late notices on my account which has continued to negatively affect my credit and has prevented my wife and I from purchasing and financing a much needed vehicle. Furthermore, the documents submitted to Equifax by XXXX XXXX  are inaccurate and do not show valid payment history as it was paid and received. Based on the above, the months for which I am being reported late should have been covered under the forbearance plan by law. I have copies of all of the documents required to prove this case with a doubt. It is my request to file a complaint with both XXXX XXXX  and the Equifax reporting agency. I would also like these documents supporting my case to be afforded to XXXX and XXXX so that I may clear my name in this matter. Attached you will find redacted documents showing the payments being made from my bank account. You will also find a copies of the credit correction letter and forbearance letter sent to me from XXXX XXXX. I have included the delinquency pages from all three credit bureaus as well as the sustained results from Equifax. Thank you for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 2020-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this Usaa credit card for 21 years and I have paid religiously on time and have always been a loyal customer. 
During this time of economic hardship I have chosen not to utilize my credit due to uncertainty of financial future. I have recently required new charges on this account in which I have not used in over a year. Upon investigating these charges I have discovered that the are annual fees that I am now charged monthly. I have contacted Usaa on numerous times over the last three months, with absolutely no correspondence, and continued charges to my account that I have never incurred in the past with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2020-12-17
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB, I had deposited two checks at my TD Bank in XXXX, VA on XX/XX/2020. Today I learned that TD has blocked my account. The checks were from my XXXX accounts, which have already been cleared by XXXX Bank. 
I do not understand why my account has been blocked. I have been TD bank member for almost 20 years. 
I was told by customer service that I have to go to the bank in-person to unblock my account. Due to COVID-19 this is a very inconvenient process. 
Could TD just reject the checks if they do not want to accept the deposits ( for whatever reason ) and unblock my account? 
Due to COVID I do not want to go to the bank in-person. 
I will greatly appreciate if CFPB can help to resolve this issue.

Company response to consumer: Closed with non-monetary relief