BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
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:
Company 's Response Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your dispute you indicate that a consumer reporting agency can not furnish an account on your credit report without your written instructions. You are requesting these items be removed. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your XXXX credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The result summary was sent to you for review on XX/XX/2022. According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. 

You told me that the companies verified the accounts. I need to know the person and department that verified along with their position and their contact information. I will give you 15 days to get this information. I will have to litigate if the information i am requesting is not given to me or either you remove all of the information that is violating my consumer rights.

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 2021-07-27
Company: Kikoff Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
hi Kikoff Lending llc ( # XXXX ) ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 FOR 30 DAYS+? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX. Also please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX, and XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2023-03-16
Company: FC HoldCo LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXo my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2021-07-27
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our primary mortgage with Citibank and the servicing company XXXX XXXX XXXX in XX/XX/2021. Citibank did not shut down the ACH payment on the old loan so a full mortgage payment was taken out 2 days after the old loan was paid off - a clear overpayment. XXXX  on instructions from Citibank did not refund that to me but rather applied the full amount to the new Escrow balance and we now have an overfunded Escrow balance. Citibank never asked my permission for this, and was unable to provide any explanation or accounting for this. Thankfully XXXX has been able to explain and track the funds and offer me a refund but only after multiple calls and no help from Citibank. The bank acts as if they are the customer - it was their choice to outsource their servicing to XXXX not mine. They have not communicated, asked permission or been able to provide any accounting on what happened to a mortgage payment that should have been stopped but for their incompetence.

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 2023-07-02
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint previously XXXX. This is a new complaint. I was told that my loan modification was being reconsidered and the application was showing as active on my account but then on the same day my Mr. Cooper online account showed " Your Loan Modification Has Been Rejected ''. I also sent a screenshot to the email address Mr. Cooper provided. I was told by XXXX, XXXX, and XXXX that my loan modification was approved. But my account for the last few days shows the loan modification as rejected. XXXX took a payment over the phone for {$500.00} as part of my last trial phase payment but my account is showing that I still owe {$96.00}. If I don't pay this I will be marked as late. If I do pay it and if my account actually still is in the Trial Phase, my loan modification will be rejected because I paid more than the {$500.00}. I also tried calling the manager XXXX XXXX several times. I left messages. On Monday XX/XX/ I will be having major XXXX so I won't be home to answer any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The address listed does not belong to 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 2023-03-16
Company: Foursight Holding LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Citibank NA. is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Citibank NA. is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Citibank NA., Best Buy - XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be 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 explanation
Consumer complaint received 2021-07-27
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: Was not notified of investigation status or results

Complaint:
I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( Trans Union, XXXX and XXXX ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )

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 2021-07-27
Company: Vericred Solutions LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by XXXX that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX XXXX account. I called VeriCred and spoke to a lady that agreed to send me an e-mail that links the original XXXX account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for VeriCred Solutions LLC, to send me an e-mail with a report stating that this was for the XXXX XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which VeriCred was trying to make it look like, and even lied to me saying that this is not linked to the XXXX XXXX account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with VeriCred Solutions LLC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax refused to remove inaccurate account that has not been validated. Equifax continues to accept summarized typed documents from XXXX XXXX to continue Equifax to keep the account in my credit report. 

Equifax refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Equifax allows this and says account validated it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Other problem getting your report or credit score

Complaint:
Haven't been able to obtain my credit report by mail or online since the end of 2022. The online portal advises " unable to complete your request ''. I have called and spoken with well over 20 agents who are unable to mail me a copy of my report and unable to provide me with online access.

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 2023-04-03
Company: NAVY FEDERAL CREDIT UNION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX began debiting my credit card account in XXXX of XXXX for {$420.00} each month, continuing through XX/XX/XXXX. I never gave on-line or written permission for this. In fact, I never signed up for XXXX XXXX. 

I have called XXXX ( phone # XXXX ) numerous times, including on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. When I called on XX/XX/XXXX I waited on hold for over XXXX hours. I could hear the employees in the background laughing at me. I have been told by them many times that someone would call me back. No one ever has. Last time I called, I was connected with the department that handles corporate accounts. I was told they possibly got my account number from an insurance policy had over 7 years ago through my employer, XXXX XXXX XXXX XXXX XXXX. I have asked them repeatedly to send me any verification that I signed up for XXXX XXXX XXXX, or any verification that I gave them permission to debit my credit card. I have never received anything from XXXX. 

I finally put a stop payment in through the Navy Federal Credit Union credit card XXXX in XXXX. The payment still went through. When I called Navy Federal I was told that the government and certain large companies can over-ride a hold. I filed fraud claims for every month that the money was taken out. Navy Federal asked for more information. On XX/XX/XXXX I sent Navy Federal over XXXX pages of documentation, including statements and records of calls I had with XXXX. I asked if they had contacted XXXX to ask for any verification I had given authorizing a debit to my credit card. They continued to ask me for more information. I told them I don't have any more information NOT giving permission for my credit card to be charged. Ultimately I was told by Navy Federal that all they can do is ask the insurance company to return my money. I was also told that they do not any authorization to allow an insurance company to take money out of my credit card. Is this true? I would not expect proof of written or on-line authorization for something like a meal purchase or a moderate one-time purchase but I hope there is some safeguard against monthly unauthorized purchases of over {$400.00}. 

I am appalled and scared to think that a company can use my credit card without my permission. 

I have more documentation if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with Ally, that was drained by an identity thief. Based on the number of complaints I have found online, I see this is nothing new. 

I did know this thief, her name was XXXX XXXX, which ended up being a false name. I worked with her and had at one time authorized a charge for up to {$100.00}. She had all of my information, as well as my husbands. We do not understand how she accomplished this. She successfully stole {$5100.00} out of her account, and laundered it on XXXX. 

Because I had an pre-existing relationship with XXXX, as well as a working relationship with her, Ally denied my dispute claims. I have official police reports, a press release from the DOJ, and even a Special Agent from the FBI to verify her now being in custody. The total amount stolen was over {$13000.00} USD combined with other accounts she had illegally accessed. She used my identification provided at the time I applied for contract work with her business. Nothing else was authorized, and we have been devastated by this. 

Ally made this decision within 6 days, refusing an appeal, even with my offer of a sworn-affidavit to the fact that I did not authorize more than {$100.00} on up to 2 charges, combined. 

Allys position is that if we ever conducted a legal transition, even if it was only once - that preexisting relationship means denial. Period.

This is theft. It is a felony theft, and I filed charges. I sent proof this woman was in Federal custody, and sent the full sheriffs de
partment report, as well as a full report with evidence to the FBI via IC3. 

I have spoken with an attorney who suggested we sue for {$50000.00} or more, in light of further duress and damages. Ill have to save up to afford his retainer, and Im crushed by this. This was a crime, I am a victim of this crime. They refused to advocate on my behalf despite all of this evidence of multiple crimes.

Im angry, and it appears that Ally is saying if any of us have a relationship with a company that has regular deductions, it will NOT protect us from exorbitant withdrawals to that same company that deviate from our spending patterns ; because of that previous relationship and our prior approval for normal expenses. Whether {$6.00}, or close to {$6000.00} - it's all the same to them. 

If we are victims of theft, or identity theft, we are screwed. DENIED - and no appeal, no provisional credit, no call to the Sheriffs department, or the FBI agent listed, no real investigation. Just - Too bad, we do not care, and we will not be your Ally despite this being an infinitesimal amount to our XXXX dollar company. 

This person stole our rent, they stole our ability to eat, they stole our identities and Ally is in this case my adversary. We are impoverished by this crime.

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