BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/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 2020-12-20
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home loan was sold to Flagstar Bank in XX/XX/2020, with a new payment due XX/XX/XXXX. 
Having recieved short notice, I made our payment by paper check, though the mail. The payment was processed with out issue. 
For XXXX 's payment, I proceeded to set up an online account through their portal, XXXX. I attempted to pay for XXXX, only to discover, about 10 days later, the payment had been reversed. I did this with the same checking account that the first payment was drawn from. Thinking there was an error, I called to see what the problem was, and was told Flagstar was " unable to find '' our bank. I reentered routing and checking numbers and tried again. This payment was also reversed. Each attempt at payment and the reversal take an excessive 5-8 days. I called again, issued a paper check by mail and the payment was eventually withdrawn. 
My husband attempted to straighten out our online account for XXXX. He was on the phone with a representative for 30 minutes. They reentered the banking information together on the phone. We were told that the routing number correctly identified our bank, and that the account numbe was accepted. Much to our dismay, this payment has also been reversed. I once again mailed a check on XX/XX/XXXX. Today is XX/XX/XXXX and it still has not cleared. 
Yesterday, I recieved a letter from Flagstar stating that because of our history of failed payments, they will no longer take payment from us in any form other than a cashiers check or wire transfer. 
This company is treating us as if we are indigent, when it is their payment system that will not allow us to pay. I would love nothing more than for them to take our money, which we have in ample supply. 
I am not optimistic that filing this complaint will help us any time soon, but this company requires some attention 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 2022-04-20
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:
In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 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.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX I sent a certified letter to TransUnion disputing the accuracy of account XXXX XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX and asked for verification that it was mine or remove it from my consumer credit file. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. It is also showing a Date of Last Payment of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX # XXXX I asked them for verification that this account was mine. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. Furthermore, TransUnion has violated my consumer rights by not conducting a proper investigation and getting back to me within 30 days. Please see attached tracking information showing date certified letter was sent and received. They received the letter on XX/XX/XXXX at XXXX am. Today is XX/XX/XXXX and have yet to get their response.. I ask that all disputed item be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXX, XXXX which is a result of fraud since I did no authorize such account.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2023-06-27
Company: Experian Information Solutions 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:
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 Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX XXXX, has violated my rights 15 USC 1881 section 602 A. States I have the right to privacy.

15 USC 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-2 ( AX1 ) A person shall not fumish 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America needs to be held accountable for the accountability for financial resources, for faithful compliance. Their Reliability of managing account failed MANY on XXXX. They disturbed many lives including mine. Bank Of America failed The Principle of Regularity, Consistency, Sincerity the performance of methods, Prudence & CONTINUITY. The MOST IMPORTANT OF UTMOST GOOD FAITH.

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 2021-05-10
Company: Auto Trakk, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Auto Trakk would not use ( honor ) the Gap Insurance I paid for after my insurance company paid them for a totaled vehicle. The company is requesting I play the difference despite the Gap insurance. They are hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The following accounts are Fraudulent and are in clear violation of my privacy. Which is a violation of the law. I demand the following accounts be DELETED from my Consumer Credit Report Immediately as they are Fraudulent accounts opened using my personal information and consequently disclosed on my XXXX and Equifax XXXX Report XXXX. XXXX XXXX XXXX { XXXX } Account # XXXX - Amount. {$44000.00} XXXX. XXXX Account # XXXX - Amount. {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, 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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 2022-04-20
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
my wife has XXXX and i send XXXX from my XXXX bank in texas,,, i'm a XXXX XXXX XXXX XXXX veteran,,, the company name is Remitly money transfers... money was send on the XXXX and was due XXXX at XXXX today, ,now they are saying it we get here on the XXXX... .they have already charged me the XXXX so i can't send money thur XXXX XXXX or other ways,,, the money is for medical needs for my wife.. my pensions come on the XXXX and XXXX of each nonth... .their service is teriable,,, ,i have call and they provide no anwsers... please help ... my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Some strange behaviors from multiple employees have been noticed from using Ally bank. ( 1 ) Check with lesser amount than the amount written on check was submitted and deposited at that lesser amount, despite the assured reviews and checks that are performed by automated systems and employees to correct the amount ( 2 ) It has failed a total of 3 possible interventions until 4th call was made. a ) automated/manual review that checks submitted amount against the value written on actual check, b ) secure messages sent from the website that Ally insists are always answered, c ) a call to inquire about the issue and put a case note, d ) a follow-up call to finalize after amount has been posted. ( 3 ) Check submitted with a higher amount than the amount written on check had its value successfully corrected, meaning the system is working. But not for earlier incident. ( 4 ) Mobile banking feature was used to try and send a large amount that was later cancelled. Other subsequent mobile banking transactions have successfully made through. ( 5 ) Weeks later, mobile banking feature was used to send a lower amount and has triggered a fraud alert. Upon calling abut the " Mobile banking lock '' and failing its security  checks, On XX/XX/XXXX, Ally went even further and suspended COMPLAINTANT 's entire account. Although it's understandable that someone could have impersonated the account holder, representatives at Ally couldn't give a clear explanation on why this wasn't triggered when a larger amount was involved. COMPLAINTANT uploaded/emailed photo ID, social security card and a utility bill per Ally 's request on this unfounded authentication check. On XXXX, Ally representatives denied to unlock the account as these documents did not have enough to support the unlock. Finally on XXXX, COMPLAINTANT had his account unlocked only using date-of-birth and social-security-number via the call with Ally representative. COMPLAINTANT is against puzzled as to why Ally did not ask those for those earlier. 
Yet do this day around XXXX, Ally is careless in handling XXXX payments in time. Ally can feel free to show that it takes days and weeks to process payments based on contacts that might have already received payments from the COMPLAINTANT in the past or were recently added. Ally has the right to process payments or retain security postures that it deems necessary, or even to refuse service to anyone ( as long as not based on gender/age/religion/nationality ), COMPLAINTANT would like to retain the right to assert that some/many/all employees of Ally have a bias against the COMPLAINTANT, thus require additional authentication that they not require onto others.

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 2022-07-06
Company: MOHELA
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 status incorrect

Complaint:
CREDITOR. MOHELA./ DEPT OF ED Please see comments. 
This account has never been in dispute. I never had problems paying and paid it off early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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