BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX verified a paid account and still showing a balance on my credit report, and Equifax accepted their claim as accurate. Enclosed is the receipt showing XXXX XXXX does not have complete information to verify the status of the account complete and accurately on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Due to covid-19 company give me forbearance plan for three months, now that send me threatening letter, I am loosing my home and my payment is due

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I need to submit a request, and it's not allowing me to upload anything to submit the dispute. 

It's due to XXXX XXXX  and should be resolved in 4 days ; however, it will only allow me to mail something in.

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 2023-07-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XXXX XXXX  5/3 bank transferred XXXX XXXX dollars to a person i did not approve of through a XXXX  account. i never used a XXXX account, was not aware of it. i've tried for a month to retrieve my funds, & was told four times it would be redeposited back to my account. i've contacted the attorney general office, fifth third bank fraud department the comptroller of currency. repeated trips & calls to the bank spoke to twenty seven people at the bank but, my money has not been returned. they simply refuse to return my money. can you help retrieve my money please!! thx

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2023-10-21
Company: U.S. BANCORP
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I'm unable to check my finances on my banking app. The problem is the banks online banking staff won't allow me to have my password reset information sent to my current phone, but always notifies me that I can only get this information through a phone I no longer use. This online banking app is the only way I can keep up with transactions and keep up with where current finances are. For the last 3 years customer service has taken my new phone information and advised me that 3-5 days the issue will be fixed and it never does. I've called customer service numerous times to deal with the issue. At times the customer service will hang up the phone mid call. Last time I called and told them I'm trying to have the 'password reset ' information sent to my new phone they told me the same thing they did the last 3 years. I told her my concerns that she's telling me the same thing the last string of customer service reps told me. She let me know the higher departments of the bank make discretionary decisions on these kind of matters. 5 years ago I tried to get my money out of the bank and tried to get it transfered to a local credit union. They stalled and for an unknown reason the transfer never happened. How am I able to get to the bottom of this issue. The bank I'm with is called XXXX XXXX XXXX. U.S. Bank XXXX XXXX is a XXXX or XXXX, reloadable prepaid pay card program that provides an alternative to paper checks etc

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX 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 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 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 2022-12-09
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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, to which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-21
Company: Factor Trust
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested that FactorTrust provide me with a credit report and to freeze my report with their company. This request was sent on XX/XX/2023. On XX/XX/2023 I received a letter from the company stating that they found no record of a consumer matching my social security number and could not provide a report or freeze my information. I called their customer service number that day and was told to resubmit my information requesting that an account be created and frozen. A second letter was sent on XX/XX/2023 again requesting my credit report and that it be frozen. I sent requested documentation of SS #, Driver 's License # and a current utility bill. On XX/XX/2023 I received a letter from FactorTrust saying once again they had no record on file for me, and did not create an account or freeze as I had requested and been directed to do by their own customer service representative. I am sending a third letter today, XX/XX/2023 trying to request this a third time. Under the FCRA am I not entitled to have this been done? I am at a loss as to what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: WI
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:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy my Rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right To Privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX Balance Owed : {$21000.00} XXXX XXXXXXXX Balance Owed : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Genesis FS Card Services, Inc.
State: VA
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:
Account name : FEB/GFSCS-RETAIL XXXX XXXX XXXX Account number : XXXX I owed {$1000.00} and the debt was closed for nonpayment, then sold to XXXX XXXX XXXX. {$730.00} was paid in XX/XX/2019 but XXXX agreed to notate it as " Settled in Full ''. I have documentation from XXXX to prove this. My credit report shows is still as FEB/GFSCS-RETAIL and initially just " Closed ''. After submitting this document to XXXX in hopes of the " Settled in Full '' appearing, it was instead changed from " Closed '' to " Closed. {$1000.00} written off ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: PA
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:
These transaction were not made by me and furthermore, I never gave written permission to report this information OR furnish this information on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 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 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
RQUESTED DOCUMENTATION SHOWING PROOF THAT THE XXXX ACCOUNTS BELONG TO ME. I WAS NEVER PROVIDED THE NECCESSARY INFORMATION PROVING THESE ACCOUNTS BELONG TO ME. EVEN AFTER BEING NOTIFIED THEY CONTINUE TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: SC
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:
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 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 2019-04-26
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX are reporting incorrectly late payments on the XXXX/XXXX XXXX   partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX/XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached credit report. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-02-13
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 status incorrect

Complaint:
The information reporting on my credit report remains inaccurate. please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a Special Covid 19 Forbearance in XX/XX/XXXX. I was approved and granted the forbearance. I extended my forbearance XX/XX/XXXX as indicated by XXXX/Cardinal Financial to do- it ws extended. I called on XX/XX/XXXX to extend again and spoke to an agent named XXXX who advised under FHA I have 12 month eligible to extend and I was granted the extension. I started receiving email and mail correspondence in XXXX stating due to no contact with the lender I was kicked out of my Forbearance. I immediately called XXXX/Cardinal and requested my call on XX/XX/XXXX be reviewed and listened to and explained I did call to extend. They then told me I was not in Forbearance and I needed to apply and fill out the Loss Mitigation package. I did as they requested and received a " complete package received, loan is in review letter '' on XX/XX/XXXX. In my loss mit package I was asked to fill out an affidavit and I indicated I should have never been kicked out of forbearance and again asked for a supervisor to call me and review the call on XX/XX/XXXX. I continued to call 8 more times over the last few weeks asking why a supervisor or SPOC agent has not called me and the reply is they don't know all they can do it put in a request to the supervisor or team lead as the agent and refuse to escalate me to a manager right then and there. I have emailed the XXXX 3x and have asked for a supervisor to call me and the SPOC agent to call me, not one call from any one at XXXXCardinal has been placed to me in regards to this issue. I would like a supervisor to call me and a resolution to this matter so my home does not go into foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft. I have been trying to resolve this matter with Equifax for literally a year. I sent my affidavit along with my id and ssn. However, every time I call XXXX they tell me they never recieved any mail from me?! hopefully you can help me with resolving this this is in reference to an alleged account with XXXX acct # XXXX I dont know the dollar amount. I have attached a copy of my affidavit and ssn XXXX and id because for whatever reason the company has told me that they never got it in the mail form me. my most recent letter was sent with a return receipt and signed for on XX/XX/23 and the representative continued to tell me they had no record of a letter in their system please help

Company response to consumer: Closed with explanation