BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX XXXX Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the XXXX showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXXXXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the XXXX court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX XXXX Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, XXXX, and Transunion, and the judgment is not listed on it. This must be on a third-party tenant database.

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 2022-12-30
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: Information belongs to someone else

Complaint:
Yourrecords  show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$7900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXXL XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXXNK XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX .... Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
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 XXXXXX/XX/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 2021-06-16
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: Account information incorrect

Complaint:
I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-05
Company: Paypal Holdings, Inc
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been using PayPal XXXX XXXX card for over 20 years with my bank account as a funding source. PayPal has decided as of XX/XX/2023 to discontinue your bank account as a back up source and is requesting the consumer to deposit money in your PayPal balance to use the card. This is forcing the consumer to add funds to PayPal so they can collect interest on your money which is a great inconvenience to us consumers and proves the greed that exists at PayPal. I do not trust PayPal with my money and therefore using a bank as a back up is more safe for the consumer. PayPal clearly does not care about their customers and only wants your money to benefit them. I want to file a complaint against them and have them investigated for bad business practices. Forcing customers to add funds to their PayPal account to be able to use this card should not be allowed. The card also offered cash back which PayPal is not disclosing will end due to this change. We entered into this cash back program in good faith and PayPal is ending the program without any disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX XXXX, Id declaring that I am the one submitting this complaint and there are no third parties involved. I fully aurhorize Transunion all necessary corrections I am demanding. As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Transunion and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Transunion via USPS, certified Mail # XXXX. I mailed it on XXXX XXXX. USPS confirmed my correspondence was received on XX/XX/2021. Transunion still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 9 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.

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 explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in regards to the Wells Fargo Settlement. I have not been contacted by them regarding this, but I believe that I am one of the customers affected and is due a payment. I did call the Customer Service number ( XXXX ) XXXX today at XXXX. to inquire. I was told that if I am eligible they would contact me. The agent said that there was no way for him to check on it, using my personal information. He did agree to take my phone number in case of follow up. In that regard, I am requesting that a complaint be lodged in order to determine if I am indeed eligible for compensation. The reason why I believe that I am affected by his settlement is : I purchased my home in XX/XX/XXXX. The Mortgager was Wells Fargo. On or around XXXX, I started to have difficulty and fell behind in mortgage payments. I attempted, several times, to obtain a loan modification, without success. I was repeatedly denied attempts to re-work my mortgage. In early XXXX I submitted a payment for all the arrears ( {$3000.00} ). Those funds were returned to me ( not sure why ). I then started receiving notices from an attorney XXXX XXXX, I believe was the name of the law firm ). My only recourse was to file XXXX  XXXX and include the house in it, in order to stop the sale. In XX/XX/XXXX, my loan was released to another mortgage company. I have not heard from Wells Fargo since.

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 2021-09-18
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper was the loan servicer. XXXX XXXX I applied for loan modification. I keep looking at website for update. I called in XXXX and they said it was still being reviewed! I looked today and its said its under review! However I received a letter that its been sold to another mortgage company! 

This should be unfair! Im waiting on a loan modification and they just sell the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2021-09-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express sign up bonus of XXXX points was not honored. The sign up bonus received was XXXX. When I called AMEX, they informed me the offer link I used for was for the lesser amount of points. They also confirmed the XXXX offer was introduced in XX/XX/XXXX and it is still valid today on their website. I signed up for the card from their official website. AMEXs argument is that I went to their website and somehow sign up using a link for an offer with lesser points than what has been getting advertised for almost a year. Again, the XXXX offer is still valid today on their website. The offer advertised when I signed up was of XXXX. AMEX is deceiving customers and luring them in with promises of a high sign up bonus that is not being honored. Only AMEX is able to see the offer link I sign up for which is not transparent. This is false advertisement on their end and a cheap tactic to get customers in the hook for a meeting credit card. I did not take a picture of the offer when I signed up, I attached an article from XX/XX/XXXX that advertises the XXXX sign up bonus. I signed up for the card on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX 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 2021-09-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I was shopping for mortgage rates online and submitted my info to a couple of lenders- one of which was JPMorgan Chase Bank, since I have an existing credit card relationship with them.

I was told that the online application is a soft pull and not a hard pull. However, when a customer representative called me he said he has my score and didn't have an appropriate response as to how he pulled my credit without my permission.

Following this, I got a letter in the mail from JPMorgan Chase Bank as well stating that they got my credit score from XXXX Consumer Relations. I had at no point authorized them to do a hard credit pull I need this expunged from my record, since I may need to apply for a mortgage loan in the future and do not want this hard pull to dent my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
In XXXX, we applied for a home mortgage loan modification with Wells Fargo and while the modification was accepted, the new monthly payment amount determined was higher than what we had been paying, and as a result our house went into the foreclosure process. Over the next five years, we tried to work with Wells Fargo to remedy the issue so we could keep our home, but as a result of their deceptive practices, we had to sell our house in a short sale in XXXX and move our family from the home we had loved for 12 years. 

On XX/XX/XXXX, we received a check for {$200.00} from Wells Fargo with a letter saying that " during a review of the account, we identified that when the loan was considered for payment assistance options, an error may have occured. '' It's our understanding that as of XX/XX/XXXX, Wells Fargo mortgage holders that were part of these fraudulent practices are being awarded an average {$24000.00}, not {$200.00}. 

Wells Fargo has not been helpful in resolving this or providing any information as to why we only received {$200.00}.

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 explanation