BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
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. 
Account names : XXXX : Original creditor XXXX XXXX XXXX # XXXX : # XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX Original Creditor XXXX XXXX, XXXX XXXX XXXX : Original Creditor : 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 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 2019-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, XXXX XXXX and Experian showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

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 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by XXXX points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit. I want the CFPB to publish this description on consumerfinance.gov so that

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 2018-08-08
Company: ALTERRA GROUP, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I'm the seller of the property during the closing procedures everything seemed to be ok and go to go for closing on XX/XX/2018. Later on the loan office XXXX XXXX from XXXX XXXX XXXX requested to have an extension until XX/XX/2018. XXXX XXXX said he was waiting for a paystub from the buyer. Later on I was told that the buyer needed to come up with an additional XXXX for closing since his debt to income ratio was at 58 %. It seems to me that XXXX XXXX delayed on the process of entering the loan into the system causing a bunch of issues, since I have already entered a contract to purchase other property with the proceeds of my primary property. XXXX XXXX till this day is still requesting documents from the buyer that should have been asked for during the start of the loan. This puts me at a hardship since XXXX XXXX made it seemed like the loan would close on the XX/XX/2018. XXXX XXXX also requested for me the seller to give the buyer XXXX in order to close. Something doesn't seem right with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I initially reported to TransUnion on XX/XX/XXXX. Regrettably, I have not received a response from TransUnion to date. As per the provisions of the Fair Credit Reporting Act, I am seeking your assistance in resolving this matter. 
Below are the specific inaccuracies that require correction on my credit report : Account Name : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} I can confirm that the aforementioned account was never late. The reported information is inaccurate, and I kindly request that you correct this discrepancy on my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} I can confirm that the specified account was never late. The reported information is incorrect, and I request that you update this inaccuracy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} I can confirm that the indicated account was never late. The reported information is inaccurate, and I request that you correct this discrepancy on my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$11000.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} I would like to bring to your attention that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Original Creditor : XXXX  I can confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report. 
Account Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : XXXX I can confirm that the indicated account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report. 
Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} I would like to emphasize that the specified account is not mine. The reported information is incorrect, and I kindly request that you remove it from my credit report.

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 2018-04-30
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: Account information incorrect

Complaint:
XXXX XXXX XXXX RE via XXXX XXXX Inquiry Type : Individual Requested on : XX/XX/XXXX Permissible Purpose : CREDIT TRANSACTION I disputed this transaction with the Credit Bureau and the Creditor, I never authorized this inquiry. 

XXXX XXXX XXXX  / XXXX # XXXX Date Opened : XX/XX/XXXX On the following dates : XX/XX/XXXX 60 days late, XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 120 days late I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late. 

XXXX XXXX XXXX / XXXX # XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late As reported to the credit bureau XXXX XX/XX/XXXX payment to this same creditor reflects CURRENT although beginning 30 days later XX/XX/XXXX it reflects 90 days late. 
I disputed these late payments with the Credit Bureau and the Creditor. The account was never paid late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Apex Processing
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was scammed by a company by the name of 'Apex Processing Center '. They had called me towards the end of the day to immediately call them back while I was on my way home from a very long day work. They were very convincing since they already had most of my information, including my SSN, which I had never given.They had me agree to sign a XXXX XXXX XXXX XXXX ' to pay back my student loans, which would have lowered mine from {$27000.00} to {$13000.00}. They also claimed to have found 8 separate loans and merged them into one new loan from the XXXX XXXX XXXX. I would pay this back over the course of 240 months, being charged {$160.00} for the first XXXX months, then {$53.00} for the remainder after that, and would be charged on the XXXX of every month. They also said I would have to recertify every year. They had also charged my bank account an additional {$500.00} through a different entity that I had never agreed to.I had also gotten an email from XXXX to my work email address, which I had never given them. They had also changed the password for my XXXX account. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. 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 2021-06-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Wells Fargo called excessively from XXXX to XXXX XXXX to XXXX, 3 different numbers up to 15x a day, disrupting my workflow. 

In XXXX, I was told that because I am on Pandemic unemployment and because my small business suffered that they would repossess my car and I should take all my landscape tools out of car. 

Then the Executive office would say don't worry, we don't want to repossess your car. Talk to XXXX XXXX XXXX, this would go on for months in between threats my car would be taken away because I am a small business owner and XXXX worker on pandemic unemployment. 

This was after I made 2 payments in XXXX which they said they these were to catch up and the executive office was working on my case. 

Letters I were sent please contact we will work with you. No one worked with me, I was threatened daily while being XXXX. Day my car was repossessed an individual from towing company reamed me out for taking a 20 min break to study for 2 tests I had to take for XXXX XXXX XXXX XXXX and XXXX XXXX - so I help with the XXXX  of residents in NC as well as studying for the XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. 

Which I was up for 72 hours working and studying as well as sorting through all the bills Wells Fargo resent me. 

As a XXXX  and XXXX survivor as well as XXXX worker, small business owner whom is XXXX XXXX XXXX with XXXX, totally disgusted with Wells Fargo and who they partner to business with.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have disputed innaccurate and incomplete accounts on my credit report on multiple occasions. the reporting agency has responded with verification of accounts, however they will not provide me woth their investigation process and results. also stated that the accounts have been corrected, however they are still being reported innaccurate and imcomplete.

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 2023-03-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I completed my purchase for XXXX XXXX XXXX XXXX XXXX for my son on XX/XX/XXXX for {$100.00} on the vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My order was dispatched with usps with an estimated delivery date of XX/XX/XXXX. Upon tracking my order, there was a complete hault of movement with " Awaiting scan '' being the current status. 
Order number XXXX usps tracking XXXX. 

I contacted usps to let them know on XX/XX/XXXX and XX/XX/XXXX. Usps assured me that a case would be opened for this lost parcel. I advised I want a refund to repurchase items as these were time sensitive medications. Usps advised that management would reach out to me but they never did. Usps closed the investigation on XX/XX/XXXX for no reason. 
I contacted the vendor by email and by chat on their site. The vendor never responded via email, only live chat. I will include proof of XXXX XXXX advising me to contact usps again as they shouldn't of closed the investigation without delivery. 
I advised this is not my fault as I paid for insured postage. The item never left usps. 
Live chat agent from XXXX XXXX  advised that if I opened a dispute with my bank that they will decline by saying they are helping. The vendor is not assisting as I have been the one reaching out to usps with no help or refund. I have already reordered these items as they are very important for health reasons. I just want a full refund for an item still in usps possession. 
I contacted my bank to dispute the charges and my bank states I would have to wait 30 days for a refund. 
Dispute number from citibank : XXXX Included will be photos of the purchase, tracking, my outreach to the vendor, as well as the information from the live chat agent. 

Today XX/XX/XXXX the order is still awaiting scan according to usps tracking. 
Customers should not be liable for lost or stolen packages when the postage was insured. 
I never received my goods or services. 
Obtaining medication should not be this hard. This is a XXXX that affects mostly XXXX Americans yet there is no awareness and priority. 
I told usps and the vendor that I will be reporting this issue and they said " that's fine ma'am ''.

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 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I made a purchase on XXXX on XXXX/XXXX/2021 for the amount of {$120.00} with Bank of America Credit Card XXXX. I returned the XXXX items and the merchant refunded me for the same amount, {$120.00}, on XXXX/XXXX/2021 to the same Bank of America Credit card. However according to a letter from Bank of America dated XXXX/XXXX/2021, since they merchant gave me the credit " for your disputed transaction, we reversed the temporary credit of {$120.00} we gave you ''. However, I never disputed the transaction at issue, nor did Bank of America ever gave me a temporary credit of {$120.00} for the transaction. ( Around the same period of time, I have disputed some fraudulent transactions from so called " XXXX XXXX '', but has nothing to do with the transaction at issue. ) I contacted BOA and requested them to correct the mistake, however they refused to do so for no viable reason. They could not produce any evidence that I ever disputed this transaction or they ever gave me a temporary credit for it. What they did is simply to take away the refund given by the merchant. I am attaching here the email conformation for the purchase, the proof of refund from XXXX and the letter from BOA notifying of reversal of temporary credit which they never gave me whatsoever.

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 monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: PA
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 submitted a dispute to update the inaccurate spelling of my name. I also requested to remove old addresses that are inaccurate as well. I have sent three letters and now I am submitting my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/23 I made a transaction with my personal XXXX XXXX card using my Square business account online terminal. 

The transaction was for {$400.00}. I noticed immediately that Square had flagged my transaction for " review '' after a few hours I decided to contact Squares customer service to inquire about what the issue might be. I was told it's because I was using a pre-paid card. 

I would assume consumers should be able to use any acceptable payment method, including gift cards or pre-paid cards. 

Square is holding my {$400.00} completed transaction for 90 days. 

Within a few miutes after calling customer support, Square also deactivated my account with no real explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XX/XX/2023 I have submitted a written letter to all 3 major credit bureaus, and also the actual companies of the alleged debt, explaining my rights as a consumer and how there have been inaccuracies on my credit report that's being hindering me. According to the congressional findings statement and purpose, As a consumer I should be entitle to fair and equitable credit reporting for consumers like myself. It's now been over 60 days and I have not yet seen any removal from the alleged negative items listed on my credit report for the following accounts listed below. My information was also impacted by the XXXX data breach and may have got into the hand 's of the wrong person. This caused me on going stress and I would soon have to file for litigation due to this amount of stress. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX SXXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Collection Account : 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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX and XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and 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