BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
It started two weeks ago when I received an email from XXXX XXXX that someone was not able to open an online checking account in my name because they couldn't provide a drivers license or proof of the address. That account was never opened. 

On XX/XX/2022 I received multiple emails from Bank of America that someone had successfully opened an account in my name using my SS # and DOB. I contacted Bank of America and they deleted the account. 

Someone is using my SS # and DOB attempting to open checking accounts in my name. They are also using my current email address which i find interesting because that's how I realized someone was opening these accounts.

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 2023-07-27
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems has reported an erroneous debt to the credit bureaus since XXXX. The amount allegedly owed is {$5300.00}. The original creditor is premier property management. In XXXX, a letter was sent requesting Covid-19 pandemic relief. However, the property management began retailing after a series of repair request, leading to a request for lease termination due to contract breach. 

XXXX began using retaliation tactics by reporting erroneously to the credit bureaus. Even though the property management was aware of a financial sufferance from Covid-19 pandemic and requested a waiver/ relief. Management continued to retaliate, while completing outside and unit renovation and decided to pass that debt unto me. The unit was never ready to rent, thus breaching contract, but somehow the property management wants those repair costs passed unto their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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: Personal information incorrect

Complaint:
According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX, Tx 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 2023-07-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a TV through XXXX, TV arrived damaged. Went through the refund process with XXXX. Never received a refund to the original card used to purchase the item. After 30 days of dealing with NCFU they then decided that the matter was resolved when XXXX credited an account I had no previous funds on and claimed that constituted a refund. I have sent all documentation to NFCU, and have obliged all requests to resubmit the same documentation to them. Had this been a XXXX purchase this would have been resolved instantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a previous complaint XXXX ; this is in follow up. In summary Carrington Mortgage took over my loan from XXXX XXXX  in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00} at 11.2 % interest rate. I was in touch with them and completed loan modification papers. ( My payments are automatically sent from my account ). The XX/XX/XXXX payment was sent on XX/XX/XXXX and it was returned on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XX/XX/XXXX. ( The letter said my current loan and agreement were still in place ). If that is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It makes no sense to me. Any why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt they were deliberately trying to take my home ; this behavior from them seems to be confirming that. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help. I did consult legal on XX/XX/XXXX and was advised to continue to make the payments and sign the paperwork from the housing counselor ( which I did ). I received a letter dated XX/XX/XXXX stating that as of XX/XX/XXXX my mortgage was transferred to XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX, Texas XXXX ) and that payments should be sent there. However, as of today, XX/XX/XXXX, I have received no official paperwork or letter of introduction from this new servicing company. FYI - the automatic payment of {$1100.00} sent to Carrington Mortgage on XX/XX/XXXX was returned to my account on XX/XX/XXXX. This is an update the housing counselor is following this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reporting inaccurate Balnace XXXXXXXX XXXX  placing recent high credit XXXXXXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. XXXX did not investigate nor contact XXXXXXXX XXXX for the correct balance for XX/XX/2023. Instead untilize the XXXX system resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting XXXX CONTACT XXXX XXXX  to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and XXXX refused to contact XXXX XXXX to report accurate balance information

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 2020-09-26
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Quicken Loan ( Rocket Mortgage ) cornered me, creating monopoly during pandemic. 

My existing mortgage loan is with Quicken Loans. I started the process of refinance in XXXX 2020, with a different lender who offered a much lower rate, no closing costs, no points to buy. In XXXX 2020, when we were about to close the loan and had the final payoff requested from Quicken loans, a Loan Manager named XXXX XXXX contacted me saying he would offer me better package ( lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs ). He said also it would be a quick process since I am an existing customer and asked me for only SSN to get started and provide confirm the offer in minutes. I told him that I am about to close with a different lender and do not want to run my credit. He insisted that his offer was far better and that running credit would not impact anything. I agreed to run credit, received confirmation of the offer and promise he made of lower rate, no closing cost, waived appraisal, no PMI, no points to buy and additional lender credits to cover lender costs. 
The refinance process with Quicken loans started and meanwhile the other lender rescinded the offer due to delay in closing. Quicken loans kept delaying the process with no communication for weeks, while I was still paying high interest loan down to Quicken Loans. 2 months later they told me they would need an appraisal and that the price of appraisal would be added to my loan. When I tried to discuss with that saying XXXX had offered me this package with no appraisal, they threatened to close my application. I was forced to comply and went ahead with appraisal. Now almost 2.5 months later, when Quicken loans is the only lender offering me loan, since the other lender had closed my application long time ago, quicken loans has added PMI to the loan, reduced lender credits and provided 3 different and confusing loan closing disclosures and/or disclosures, with same loan amount but different credits and cost amounts and difference in amounts that I will be receiving at closing. The director XXXX XXXX called me and accepted that it was their fault to offer such a package that they could never honor. I feel cornered and victimized by Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX Opened XX/XX/XXXX Closed 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 explanation
Consumer complaint received 2023-04-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX Last 4 of XXXX Date of birthXXXX Application Date : XX/XX/XXXX Recently, I, XXXX XXXX, submitted an application for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and subsequently received notice of approval for a credit line in the amount of {$4000.00}. However, following the submission of my application on XX/XX/XXXX, I was notified that additional verification was required. On XX/XX/XXXX, I called in and spoke to a representative with a nasty attitude we verified some info and they informed me that I had been approved for the credit line. After that I get an emailed stating that they could not approve me due to them unable to verify my identity, to which I called back representative, spoke to the same representative. They said that the reason for the denial was because I had made multiple applications for the credit line and they stated that my first original application had been approved but the second had been denied and that was the reason for the denial, I responded by saying that I never made more than one application made only one application, and they must've been a mistake on your end, and they responded back rudely saying that there was nothing that they could do. So I was approved for the credit line, accepted the credit line, and then authorized a hard inquiry on my credit report, and now all of sudden I have been denied for the credit line. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). I feel as though Citizens Financial Group Inc. has violated my federally protected consumer rights. 

1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated is both proof and evidence that I have been discriminated against, you are also criminally liable. Citizens Financial Group Inc. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can not get them to remove my fraud alert. 
I would like for them to REMOVE the fraud alert from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Account status incorrect

Complaint:
This is XXXX XXXX please 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 explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: AR
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:
CREDIT REPORTING AGENCIES IS NOT FOLLOWING FCRA AND FDCPA LAWS. 

THEY FAILED TO VERIFY AND VIOLATE THESE NEGATIVE ALLEGED ACCOUNTS. 

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As I looked into my credit report, I found that part of the data was inaccurate. The 3 credit Bureaus must verify these accounts ' authenticity in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify these reporting accounts as unverified information. Sections 611 ( a ) and 609 ( a ) ( 1 ) ( A ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$0.00}

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 2023-10-02
Company: EQUIFAX, INC.
State: OH
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A collection agency called me trying to collect {$17000.00} from a bank of america visa card debt from back in XXXX and yet nothing reported to XXXX for XXXX plus years until now. I am XXXX XXXX XXXX and XXXX living on XXXX XXXX XXXX living in a tent out in the woods and no way to fight these alligations. I don't know what to do. I am on extremely long waiting lists for housing and this will ruin my chance to get housing for 10 years. i will be dead before 10 years living in a tent. Please help.

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 2023-05-24
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
On or about XX/XX/2023, Chase increased my credit card limit from XXXX XXXX to XXXX  XXXX. I did not ask them to do this nor give permission. When I got notice of this, I called and asked the limit to be reduced and formally complained via the bank 's complaint system. On or about XX/XX/2023, the limit was reduced from XXXX XXXX to XXXX XXXX. Subsequent to this reduction, my credit score reported by XXXX and other similar agencies and reported by Chase DECREASED because my credit limit was reduced. When I received notice about the credit score decrease, which was the result of Chase correcting its unilateral and unrequested decision to increase my limit unbeknownst to me and without my request or approval, I filed a second complaint with Chase. They have done nothing regarding either complaint. 

My credit score is now down XXXX points as a result of Chase taking action without my request or approval and subsequently correcting it at my request. Chase simply wanted me to charge more with their credit card so unilaterally increased my limit. I do not want a high credit card limit as I see it as a fraud/cybersecurity risk. If I wanted more limit, I would have requested it. 

I am retired and seeing a credit score decrease can be catastrophic. All due to the pursuit by Chase of more credit card volume without having a conversation with me, their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name 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 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