BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
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:
This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}.

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 2021-08-12
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been banking with chime for quite awhile now and have had absolutely zero issues with them. Theyre general customer support is always very fast and courteous which makes this current situation even worse overall. On the night of XX/XX/XXXX and into the early morning of XX/XX/XXXX i had XXXX unauthorized transactions to a website totaling over XXXX dollars and completely wiping my bank account of any funds. I immediately disputed every charge and was in a frequent chat with the dispute support team with my claims. I was lead to believe that a temporary credit would be served to my account while they " investigate " the charges which was great news since i had significant bills that needed to be paid. On XX/XX/XXXX at XXXX XXXX  i recieved a very short e-mail saying no fraud occured and no credit would be issued, if i have questions to contact their support staff. I immediately messaged the staff only to recieve a computer generated response telling me i could recieve the documents they used to make their decisions but it would take at least 10 days, which is unreal to me. Im currently out over {$800.00} and its completely not my fault with absolutely no support besides the same generated computer response i get no matter the question i ask. I love this bank, its easily the best ive ever used, but this is awful and has destroyed my family and i 's mental state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 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 2023-01-18
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I would like to draw your attention to XX/XX/XXXX XXXX XXXX  and XX/XX/2022 - I had sent my complaint letters to KeyBank, both of which were left unanswered, in which I clearly stated how this scam has affected me personally, psychologically and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I PAID {$3000.00} BY DEBIT CARD AT A SUPER WALMART IN XXXX DELAWARE FOR A MONEY TRANSFER TO XXXX. WHEN I ARRIVED AT HOME I WENT ONLINE TO VERIFY MY MONEY TRANSFER AS I ALWAYS DO AND THE WEB SITE AT MONEYGRAM SAID MY REFERENCE NUMBER WAS INVALID. I HAD MADE SUCCESSFUL MONEY TRANSFERS ONCE A MONTH FOR OVER XXXX YEARS. I CALLED AND SPOKE TO SOMEONE AT MONEYGRAM WHO SAID I MUST SPEAK TO SOMEONE IN ONE OF THEIR SPECIAL DEPARTMENTS I REPEATEDLY ASKED TO SPEAK WITH SOMEONE IN THE XXXX MANAGEMENT BUT WAS REFUSED. THEY WOULD ONLY ALLOW ME TO SPEAK WITH SOMEONE IN XXXX OR FROM XXXX OR THE XXXX. I WAS TOLD MY TRANSACTION WOULD BE VALIDATED IF I ANSWERED THEIR QUESTIONS. THE QUESTIONS ASKED BY THE MAN FROM XXXX WERE SO RUDE AND INSULTING I LOST MY TEMPER WHICH I BEKIEVE WAS HIS OBJECTIVE. HOWEVER I WAS TOLD I MUST RETURN TO THE WALMART STORE THE NEXT DAY AND MY TRANSACTION WOULD BE COMPLETED. IT WAS A BLATANT LIE! I HAD TO SPEAK BY PHONE TO ANOTHER PERSON FROM XXXX WHO SAID IF I ANSWERED HIS ABSURD QUESTIONS I WOULD BE ABLE TO COMPLETE MY TRANSFER. I ANSWERED HIS QUESTIONS BUT MY TRANSFER WAS DENIED ANYWAY. HOWEVER I WAS GIVEN A REFUND OF MY MONEY. THE PERSONAL QUESTIONS I WAS ASKED HAD NOTHING TO DO WITH MY MONEY TRANSFER AND A PERSON SHOULD NOT BE EXTORTED THIS WAY. I BELIEVE A LAW WAS BROKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: DISCOVER BANK
State: KY
Product: Credit card
Issue: Other

Complaint:
I ordered face cream from advertisement on XXXX. It said there was just a small shipping fee. On my phone, thats all I saw. If there was anything else it was n't viewable on the screen. When I got the packing list, it said nothing about the reoccurring payment. It had no name, address, phone number or email address to contact the company. I never received an email from these people for a confirmation or that I would be billed anything additional. 
They billed it through XXXX place when they shipped it, another when they charged me the XXXX, then when I disputed the charge, there was another name, then when I finally got a phone number for them - they gave another name and address. That sounds like a shell game. I have the info from Discover credit card, and the packing slip, and then when I contacted Discover, THEN I got an email cancelling the reoccurring billing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
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:
There are a few inquiries that I did not apply for from XXXX, XXXX XXXX , and XXXX. I did not apply for a personal loan nor these credit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 noticed that the account below is not displaying accurately. 

I'm requesting the following accounts be verified properly or deleted immediately, because the account type, date opened, status date, balance updated, creditor phone number and addresses are inaccurately reporting on my credit profile. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( TRANSUNION ) has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone who mumbles his name ( XXXX XXXX ) has called multiple times ( over 20 ) from XX/XX/2019 to present day XX/XX/2019. He leaves a call back number XXXX and a reference number : XXXX I have three saved messages from this guy and over 20 calls with no messages.

this person is now calling my relatives as of XXXX XXXX, 2019. This person claims to be representing American Express. The American express company and I completed our business over three years ago with in their view : me not paying them what they claim I owe.

I am not disputing or wanting you to address the claimed owed. It has been settled and this collector is abusing with phone calls ( first one I told him live over the phone I am not interested in re-opening this dispute, it is closed and to STOP calling. 

I have noticed XXXX XXXX calls from multiple numbers all beginning with XXXX.xxxx He claims to be with American Express XXXX American Express has written off the account balance and I have not heard from them in two years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX 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 2022-10-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}

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 2023-05-05
Company: Experian Information Solutions Inc.
State: AZ
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:
file against the XXXX major buraus XXXX/ experian/ XXXX if the bankruptcy courts does not report to the XXXX major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the XXXX major credit buries. lexis nixes have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX XXXXXXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on December 1, 2007. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ALLY FINANCIAL INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

The following INQUIRIES needs to be removed immediately : Creditor Name : XXXX XXXX, XXXX XXXX XXXX ALLY FINANCIAL, XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2022 Reason : this inquiries were made without my knowledge or consent and I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of these inquiries via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted 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 explanation
Consumer complaint received 2021-07-22
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan is being serviced by a company called The Money Source for the home I own in XXXX XXXX. Last year they paid all of my property tax payments late, resulting in {$400.00} of late fees that I was never reimbursed for. Following the late and inaccurate payments out of my escrow account, they proceeded to run an escrow analysis based off those same incorrect payments and predict an escrow shortage. Based on their prediction, they increased my mortgage payment {$300.00} a month even though I asked them to redo the analysis based on the the more updated information. They ignored that, proceeded to pay another incorrect payment out of my escrow account in the amount of {$3900.00} and now I have a balance of {$0.00} in my escrow account. When I asked them to get a refund for the incorrect payment, they asked me to call back and check on the status in 3 months. So now I am stuck with an escrow account that has no money in it and an increased month mortgage payment all because of a mistake that they refuse to take accountability for and have no urgency to fix. Their tax department is incompetent and Im so frustrated by the fact that I have no option but to be stuck with this loan servicer for the next 30 years. They have mishandled my account over and over again and there is nobody to hold them accountable but me. I am in desperate need of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I got an approval on my request for a Loan Modification submitted on XXXX to my mortgage company SETERUS, they set a Trail Mod Payments starting in XXXX/XXXX/XXXX on the amount of {$900.00} All notices in regards to this approval I received over the phone, I never received any documents by mail, email or fax, neither my housing counselor. 
On XXXX XXXX, XXXX I was requested by SETERUS to pay {$650.00}, until that moment no documents were received from SETERUS, not Trial Loan Mod approval, nor Permanent Loan Modification Agreement, as I expected after to fulfill my three trial payments on the full amount on time. 
There were so many phone calls to SETERUS requesting for documents above mentioned, but always servicer stated that they will send the right documents to my address ( Principal Residence ) and never accomplished. 
On XXXX/XXXX/XXXX SETERUS informed me that they will extend my trial loan mod for another three months, and they will continue debiting my checking account for {$900.00} In addition, servicer stated that day that I should submit Permanent Loan Modification Agreement not later than XXXX XXXX, otherwise they will reassume foreclosure procedures ; however, they still did not send any document to accept and sign!!!!! 
This is a XXXX Investor mortgage, the reason why we already contacted investor and let them know about this unfair and illegal procedure.

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