BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose

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 2023-08-16
Company: CITIBANK, N.A.
State: TX
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:
I had XXXX different Citi Bank credit card offers mailed to me in XXXX. XXXX was for 18 months no interest and the other was for XXXX or XXXX  months no interest. I chose to use the XX/XX/XXXX month no interest, of course. ( Note that my friend opened theirs on the same day with the same offer. They are still not being charged interest. ) Citi Bank began charging me interest after only XXXX months. Now they say that since I didn't keep the flyer that said XXXX or 22 months on it, I'm basically out of luck. All I can think is that the person who set up my card entered the wrong end date for the promotional offer.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have recently reviewed my credit report and have found multiple inquiries that I do not recall authorizing. I believe these inquiries might be fraudulent and I request their immediate removal from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In accordance with this law, I am requesting that you investigate and remove the following inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the FCRA, the credit reporting agencies must investigate my dispute within 30 days of receiving it. I also request that you provide me with a written statement of the results of the investigation and a free copy of my credit report after the dispute has been resolved. 

I appreciate your prompt attention to this matter and look forward to your favorable response. 

Sincerely, 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX - XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$490.00}.

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 2019-11-20
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
WesternUnion XX/XX/20 - I contacted the WesternUnion after sending {$1300.00} USD to someone in XXXX. The bank in XXXX said all 4 of his names needed included. I submitted 3 of his 4 names. I called WesternUnion 4 times to change the name and they spelled the name incorrectly every time until they told me they could not change the name. They told me they could refund me the money but wanted me to wait 7 days. This was a WestenUnion problem and the money I sent was for plane tickets. I should not have to wait 7 days for WesternUnions mistake. The manager on the phone also continued to call me maam and I am a Male not a female. I corrected him and he continued. Customer service was terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Affirm Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Affirm account is not mine and was reported on my credit i understand its closed and paid in full but this is jot my account i have no affirm account that was opened on XX/XX/2023 or with the balance of {$260.00}. I disputed the amount and it was confirmed it was correct i have proof of my account and whats on it and this doesnt go with my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MI
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:
My identity was breached from XXXX XXXX XXXX and I believe my ex husband. 

There are SEVERAL inquiries on my report that I did not make nor authorize and need to be removed. ( See below ) please tell me how to proceed in getting that taken care of ASAP!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: First Recovery Solutions, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I started getting calls about 3 weeks ago and since I was ignoring them they decided to start calling my family members. Very crude messages are being left stating that I owe money for a loan that I took out with a company called XXXX. The original loan amount was {$1200.00} however I now owe {$300.00} because I paid the rest. 

When I spoke to the lady XXXX I advised her that she had the wrong person and she told me that she did not that she had spoken to me before and I was disputing the remainder of the loan. I told her that she never spoke to me however she called me a liar and stated that she will just put down that I am disputing the loan, she then hung up on me. 

After hanging up on me, she called my XXXX aunt and started telling her that I 'm going to jail and that she should either pay the bill for me or talk me into paying it. I told her to not answer those calls and do n't give them any money that I did n't owe this mysterious debt and I was n't paying it. I just got a call from my mother stating the exact same thing that my aunt said. I do n't owe this debt and I want them to stop calling me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have paid my installment loan of {$660.00} to Avant two weeks before my due date of the first of the month. I clearly note on my payment check indicating the due date which the payment is to applied. It has been Avant policy to not accept my payment for due date indicated on my check. Avant insist that the payment it receives is extra payment. Therefore, my account is past due which incurs monthly late payment charge. The Avant response that I received is there account system does n't recognize my early payment. I should call there office monthly to notify there customer service representative that I have mailed my payment early. I strong feel that Avant penalize me make early payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
I'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the XXXX and TransUnion credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is XXXX XXXX, I'm reporting that on XX/XX/2023 I claimed a dispute with Netspend All-Access reporting unauthorized withdrawals in my checking account. My Netspend account was hit by a fraudulent Debit Card scam. XXXX at XXXXthere were 4 unauthorized transactions that took place at XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my Debit Card info without my knowledge or authorization. 2 transactions were for the amount of {$200.00} and two more additional transactions for {$300.00}. Equaling a total of 4 unauthorized transactions that equal the amount of {$1000.00}, Plus the 4 fees that are included equaling {$11.00}. Which adds up to a total sum of {$1000.00}. Netspend is refusing to refund my loss saying that, " this incident took place in the same town you live in ''. I also called XXXX Police Dept. here in CA to make a incident report which is Claim ID : XXXX. Please HELP!!! Thanks XXXX XXXX. reach me at XXXX thanks

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 2022-05-01
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I was reviewing my consumer report from LexisNexis dated XX/XX/2022 and I noticed there were a number of wrong names and wrong addresses showing on my consumer report. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information The following names and addresses do not belong to me. 

Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Email Addresses : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. Transunion advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

TRANSUNION CREDIT REPORT INQUERIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS 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 explanation
Consumer complaint received 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of over {$10000.00} on XX/XX/23. The bank told me there would be a hold on the check and I asked the bank to release the hold early because I have to pay the depositor 's insurance with the check. They said the bank XXXX would call me when the hold was lifted. The bank XXXX called me on the XXXX and let me know the hold was lifted. I begin to make transactions from the account after the call. The banker forgot to life the hold and I ended up getting charge 14 late fees of {$36.00} each.for each transaction that I did. I had the money in the bank but they charged me anyway. I asked the bank to refund the money because it was not my fault and they refused. They charged me {$500.00} and I want my money back. I would not have made the transactions if the banker hadn't told me she lifted the hold. She forgot to physically go into my account and lift the hold but she won't take responsibility for her mistake.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Delete Hard Inquiries - Account Inquiries XXXX XXXX XXXX, XXXX 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 Delete Unauthorized Negative Items - In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agencyncannot furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 2017-07-17
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Homeowners  Protection Act of 1998 states that PMI will be AUTOMATICALLY terminated upon reaching the 78 % LTV date. After repeated attempts to get CitiMortgage to drop the PMI ( never a late payment, well after the LTV 78 % date ), CitiMortgage insists on an appraisal ( at my expense ) to c ancel.

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 2019-11-20
Company: EQUIFAX, INC.
State: IL
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:
CRA is in continuous violation 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loan with Shellpoint mortgage was under a forbearance program and at the end of the plan, the account was brought current. But now Shellpoint Mortgage is now reporting that the account was delinquent during the forbearance time. The property address is XXXX XXXX XXXX, XXXX, TX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: SIMM Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SIMM Associates called the phone number of a relative, who has nothing to do with any of my debts owed and can not help them. They kept trying to get information about me but would not state who precisely they were other than company name, nor what they wanted. The family member refused to give them information and notified me right away. They are not to contact any individuals other than myself regarding this supposed debt ( which, since they would not state what it was, we have no idea if I even owe ) and going forward, they are not to contact me again other than in writing nor are they to contact any other family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be updated. 
XXXX XXXX : {$7300.00}

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 2023-04-28
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:
This in regards to XXXX XXXX  credit card account ending in # XXXX. 
On XX/XX/XXXX i spoke with XXXX, customer service supervisor at XXXX XXXX. 
She said my minimum payment due by XX/XX/XXXX was {$100.00}. I told her by Bank 's billpay automatically sends {$60.00} ( see exhibit " A " ) I made a payment of {$40.00} over the phone with her making the total due. I am just receiving notification that XXXX XXXX  is reporting me 30 days late. As a result my credit score fell XXXX points immediately. 

This is inaccurate reporting and I need it corrected and my XXXX points restored 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