BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I see these accounts that were not made or authorized by me.

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 2023-02-24
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have asked for these accounts to be updated, by the respective credit bureaus, and expressed truthfully and accurately. The accounts listed in the documents provided are not being reported truthfully and accurately. Please update the accounts with information I am asking for and provide me via this CFPB portal with the documents used to update the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used the option offered by XXXX XXXX XXXX XXXX and chase bank and others where the service offered is to split the original payment say XXXX in to up to XXXX payments and the new first payment and payment 's after that will be added to my minimum balance each month and as described to me by the customer service rep they have a day or XXXX to approve or deny and the new first payment will be posted on the new statement and the new first split payment will replace the original purchase price as to relieve credit usage and overall reduce my actual credit on the card making my limit go from say XXXX to minus XXXX and replacing it with XXXX i think or whatever making my credit usage at around XXXX instead of XXXX as would most reasonable people would believe, cause a. the financial institution still gets paid just overtime, the credit user lessens their credit usage raising their scores and lowering their usage rates and overall credit they have to use to purchase other thing 's for the financial institution to gain. XXXX employees didn't even know the service existed tried to tell me that the program which most credit card companies wasn't used by them until I proved otherwise by actually walking in and showing them. For me it's a deceptive practice and all I have to prove is that me a reasonable person could reasonably assume a service provided should be served a certain especially if the companies policy explaining their service or action is nowhere in plain sight, their employees aren't fully trained and knowledgeable about the service. The service is available for any credit card purchase over {$100.00} and you can split up to XXXX purchases at a time into XXXX payments and the financial institution has XXXX to approve or deny. The person at XXXX tried to tell me folks just do it cause they like adding extra money to their minimum payments every month instead of just paying the minimum balance as required which I've never heard that from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX T 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 Bum. 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX cant provide to my XXXX XXXX XXXX  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 explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have a paid membership with XXXX  Credit reporting to monitor my credit report and credit scores. On XX/XX/2021, I contacted their dispute department and inquired why I received an alert from them, indicating that my credit score dropped 3 points. The customer service personnel couldn't find or tell me why my credit score dropped from XXXX to XXXX. I previously disputed, with XXXX, XXXX, and Transunion, that I paid off two ( 2 ) auto loans and a student loan early that wasn't reflected on my credit report. At the time, XX/XX/2021, when I disputed the loans not reflecting paid off on my credit report, my credit score was XXXX. When I spoke with XXXX  dispute personnel yesterday, I asked why haven't my credit score increased since paying off two auto loans and a student loan 5 months ago. I further mentioned that my payment history is exceptional, no late or missed payments. He stated to me that he sees that my payment history is exceptional and doesn't understand why my credit score isn't higher, as well as why it dropped 3 points yesterday. I have filed disputes with all 3 credit reporting agencies, and haven't received any explanation as to why my credit score hasn't risen, but has dropped. My ethnic background is XXXX XXXX and I am really feeling like I am being discriminated against, and these companies are purposely decreasing my credit score. I'm sure they will deny discrimination, but what is their reason for dropping my credit score. I am not the only American that has at least $ XXXX in credit cards. I have no missed or late payments with any of my credit cards, actually I have been paying some of them off, decreasing my credit balances. I just wants answers. My credit score should be higher, not decreasing.

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 2017-05-02
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Next Disbursement Due Amount for my county  taxes is listed at {$2600.00}.   Sent documentation to  MyLoanCare on   XXXX / XXXX /  XXXX   to reflect the new amount of {$660.00}. However, the company still has not made the change. I have called to followup every business day since  XXXX . I 've been hung up on several times and have asked to talk to a supervisor but never get transferred to  one.    This amount is making my escrow payment close to {$400.00} per month higher.

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 2023-02-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
WELLSFARGO STILL HAS NOT ANSWERED MY COMPLAINT VA REP XXXX XXXX XXXX XXXX XXXX  SAID VA IS OVERIDDING THE CAP AT 3 LOAN MODIFICATIONS! LETS HAVE A 3 WAY PHONE CALL! DONT CARE ABOUT HOW MANY LOAN MODIFICATIONS WERE DONE! WELLS RESPONDED BACK WITH NOTHING THAT I HAVE REQUESTED! AM A VETERAN LOAN MODIFICATION CAN BE DONE! SEE PROOF OF ANOTHER VA LOAN MODIFICATION 4TH ONE! WILL PUT IN STATE COURT! RIGHT THING TO DO IS MODIFY LOAN AND DONT WANT TO BE DISCRIMIATED DUE TO 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 2021-03-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had an account with PayPal and about 8 months ago, I was notified by PayPal that PayPal would be closing my account and that any funds still in the account would be released to me after 180 days.

Those 180 days have long passed and PayPal is refusing to give me my funds totaling {$5000.00}. I have reached out to PayPal over 40 times requesting that they release my funds, but PayPal has not been helpful. They keep telling me that my funds will be available for release in 72 hours, but they never release the funds.

Its absolutely unconscionable and cruel for PayPal to arbitrarily hold peoples funds for over 8 months, especially during a pandemic when everyone is going through a hard time financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Company was part of a ransomware hack in early XXXX. as of XX/XX/XXXX, they have yet to communicate to their customers that this happened. I had to find out through chat boards of this event when XXXX why i couldnt log into my account or why the site was done. the company sent an email XX/XX/XXXX that the site was back up and running. for the last two days, it has contstant error messages and you can not navigate anywhere. It shows that i made a payment ( when i never did or got a confirmation ) and when you call the customer service line, they have it turned off so that you can not communicate with anyone. I have had to call my bank and put a block on lakeview from withdrawing any money as i dont know how many times they will deduct funds since while trying to pay, the site kept crashing. You would think a company would reach out and tell its customers that their personal information is now all over the internet but no, they want to remain silent and then make it impossible for us to pay our bill.

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 2023-10-24
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Affirm stole {$700.00} from me. I was approved for a loan from Affirm and the merchant. Loan has been sitting in processing for over XXXX days. Affirm decided to charge the entire amount of the loan to my bank account which they had no authorization to do. Affirm said it was just a pending charge and would fall off. It cleared my bank account this morning, so now I am out {$700.00} and Affirm is refusing to refund it. Already filed a complaint with the XXXX and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX, I asked XXXX, Transunion, and XXXX  to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-09-21
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX  SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to you today with a heavy heart to dispute the negative items listed on my credit report, specifically the charge off accounts for XXXX XXXX ending in XXXX and XXXX XXXX XXXXXXXX ending in XXXX, as well as the inquiries by XXXX XXXX  on XX/XX/XXXX. 

The circumstances surrounding these negative items are emotionally charged for me. I have always been a responsible individual and have worked hard to maintain a good credit standing. However, due to unforeseen circumstances beyond my control, I was unable to make payments on these accounts, resulting in the charge offs. 

The financial stress caused by these events has taken a toll on my mental health and has caused me great distress. As someone who takes their financial responsibilities seriously, I have been actively working to rectify the situation and get my finances back on track. I have taken steps to pay off my debts and have been working with a financial advisor to improve my financial literacy and make better financial decisions moving forward. 

I understand that the negative items on my credit report are a reflection of my past financial struggles, but I implore you to consider the efforts I have made to rectify the situation and move forward. I am committed to doing everything in my power to improve my credit standing and prove that I am a responsible borrower. 

I respectfully request that you investigate these negative items and remove them from my credit report if possible. Your understanding and assistance in this matter would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the bureaus to do verification and they sated that everything was accurate. I did thourough research myself and found improper innacuracies on credit report even after they did the careful research.

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