BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-05-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought new house and had a house for almost 30 years, I paid my mortgage. My loan was sold, they told me, to the private person, never disclosed who bought the loan. Demanded to pay XXXX, did not accept regular mortgage payments anymore, it was over XXXX every month. I refused to pay XXXX and Wells Fargo foreclosed on my house. I think this is a criminal what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX coupe of the inquiries were removed by the original creditor letters was sent to myself and TransUnion, XXXX, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.

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 2021-06-02
Company: DISCOVER BANK
State: VA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NC
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'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 explanation
Consumer complaint received 2019-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Around XX/XX/2019 I called about the details for an account that I'd just opened promotional stipulations. I opened it with a promotion code for {$220.00} given after 90 days of meeting stipulations and was told that I would also get {$600.00} if direct deposited amount surpassed I believe of {$1000.00} or {$2000.00} which I made sure to do which no promotional code was needed for and that for the savings account being opened I would get another {$200.00} or {$300.00} I believe. However, none but the {$220.00} was given and I even asked that this be looked into and was advised by XXXX the XXXX XXXX location manager to call in and express this so the call could be reviewed and the promotions honored due to misrepresenting what I would be getting with the meeting the stipulations outlined. He explained if it took place inside a physical location in his district he'd resolve the issue and honor it due to verifying the call, but due to account being opened online it had to be honored by the 800 customer support department. 

After doing what XXXX informed me to do I was given case XXXX by the over the phone customer care supervisor XXXX. XXXX XXXX called me and stated the call was reviewed and it did support what I explained, however they were not going to honor what was offered to me at the opening of my account or what XXXX stated would happen. 

Due to getting no where I ended up deciding to close my savings account and would have closed the checking, but was advised fines would be charged to me. I apologize at this point of creating this I don't have the specifics promotional amounts, but the case number is referenced with the specifics and the calls can be viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my XXXX XXXX. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with XXXX and Experian that for the month of XX/XX/XXXX that I was 90 days late but with XXXX they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with XXXX that I was 120 days, Experian that I was 150 days late and with XXXX that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation. 
I initiated contact with XXXX through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S  on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. 
Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.

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 2023-05-07
Company: Bread Financial Holdings, Inc.
State: MI
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:
XXXX XXXX added me to an account, with a full payment history I never had knowledge of. I have only had " one account '' with this company which comes directly to my home in XXXX XXXX. I & got a full history from an address I have not lived in, in over 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
These accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are ran as a chargeoff. But I never received the 1099 cancelation of debt form. And because of that These accounts is inaccurate and they have to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2020, Navy Federal Credit Union open checking & savings account in my name ( as well as my ex-wife ) using fraudulent information. To address this identity theft, numerous phone calls, emails, and registered mail were used to requested a copy of the application. NFCC first said it had to be requested by the police department. After that request, they then said I would need to subpoena the information. My request is simple : provide me a copy of the application so that I and local law enforcement can perhaps identify the perpetrator or, at least, how identifying information was obtained. ALSO, provide the NFCC protocol to ascertain and verify the identity of an applicant. ( I do not qualify to NFCC membership. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I would have to say that in my opinion congress should shut down Equifax as a lesson to correctly following the law. 

I have been a victim of fraud and identity theft along with their 2017 Security Breach scandal. Three of the top Executives waited three days to inform the American People. In the meantime they sell their investments underhandedly eventually caused the CEO to resign to avoid Jail time.

Equifax takes the Fraudulent disputing process extremely lightly, even though I was one of those millions of victimized consumers.

Equifax is currently in violation of the FCRA 605 B after sending FCT and Police reports I still have inquiries reporting fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX acquired my current Mortgage loan from XXXX XXXX effective XX/XX/2023, but XXXX is still sending and calling me to pay a mortgage payment for XXXX and XX/XX/2023. I pay all mortgage payments to XXXX, my current morgage lender, and I do not have an active account with XXXX XXXX. I should not have an open Tradeline with XXXX XXXX on my credit profile Also, I indicated to XXXX XXXX that I did not give permission for them to provider private information to any other parties I also, dont give any Credit reporting agencies to give my private information to any other 3rd parties ( per 15 US Code 1681b _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my credit score. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with XXXX and XXXX that for the month of XX/XX/XXXX that I was 90 days late but with Equifax they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with XXXX that I was 120 days, XXXX that I was 150 days late and with Equifax that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX, XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 

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 an 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 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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX reporting in accurate information on my credit report which has affected my XXXX XXXX. XXXX XXXX reported on multiple times to all credit bureaus in accurate information. They reported with TransUnion and XXXX that for the month of XX/XX/XXXX that I was 90 days late but with XXXX they reported that I was 120 days late. For the month of XX/XX/XXXX they reported with all three credit bureaus that I was 120 days late. For the month of XX/XX/XXXX they reported with TransUnion that I was 120 days, XXXX that I was 150 days late and with XXXX that I made payment on time. XXXX XXXX has reported on all my accounts with them in accurate payment his. I have also made three complaints with credit bureaus to resolve these inaccurate reporting but I was always informed that the information is reporting accurately. I have attached my credit report to reflect the inaccurate information being reported.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there is a fraudulent inquiry on my credit report that transunion will not delete which is in direct violation with the FCRAXXXX XXXX XXXX  posted an inquiry in XXXX XXXX XXXX and I never gave that company permission to pull my credit. Ive called transunion and spent hours on the phone with them and they refuse to delete this inquiry.

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 2023-05-11
Company: Block, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I worked on a customers house in XXXX of XXXX. The customer summitted his credit card and said Square charged his card, but Square never released the funds into my bank account. They said there was a dispute and it was resolved in my favor. Square never paid me the amount they said I should receive. At this point Square refuses to discuss the issue with me. They do not respond to my phone calls or emails. The amount in question is {$4600.00}. I have gone after the customer, He says it is out of his hands. Square will not release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21 my credit card ( XXXX XXXX XXXX XXXX XXXX ) did an overdraft or cash advance to my debit card for XXXX dollars. I did not even know my card could do this. on XX/XX/21 my debit card was charged for XXXX dollars to an unknown XXXX XXXX. description was ( BILL PAY XXXX XXXX XXXX XXXX XXXX CARD ON-LINE XXXX ). I did not do any of this. on XX/XX/21 I called their online fraud support ( XXXX ) to claim a dispute. I called again on XX/XX/21 They denied my dispute and claimed that they could not get the money back since the transaction was from a secured activity, doing. at that time i only had XXXX on my debit card. and my credit left on my credit card was about XXXX the scammers basically drained my account. which should be an obivous fraud activiy.

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