BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit card I have is XXXX XXXX. I have never missed a payment with them but yet they are reporting a late payment on my credit. I had a XXXX balance on the months that they said I missed which no payment was due. They said they would fix it but never did. I disputed it and still nothing

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 2022-09-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX BANKRUPTCY DISCHARGED Filing Date XX/XX/2013 Reference Number 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 2022-09-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : 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 2023-09-30
Company: EQUIFAX, INC.
State: NC
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 Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2023-05-19
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX, and only XXXX, shows a Citicard account that does not belong to me. I contacted Citicard and they verified that I do not have an account with them and recommended I file a dispute with XXXX. I filed the dispute, but XXXX says that Citicard verified that the account belongs to me. I also received a letter from Citicard stating " they are unable to update the credit report because to remove authorized users from credit reporting the authorized user must be removed from the account ''. I called Citicard again and explained that someone had committed fraud and that the account is not mine. They said I am not in their system so they can not do anything about the account because I am not in their system. I told them the reason I am not in their system is because I do not have an account with Citicard. The representative just kept saying there was nothing she could do because I am not in their system. Their letter also said that if I have any questions regarding the matter I should call the number on the back of my card, which I can't do because I don't have a Citicard card because I don't have a Citicard account. For some unknown reason Citicard simply has no interest in contacting whomever it is they are sending the bills to in an effort to straightened things out, so at this point I am left with no other choice than to file a report for 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
Consumer complaint received 2017-05-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am a XXXX.ilive in XXXX i have a checking account and a saveing account in HSBC bank. I remited {$300000.00} to an XXXX account for investment in XX/XX/XXXX. But some mistakes occurred. 1 this is the fist time to use HSBC wire transfer, I already selected usd as currency as transfer currency. But the money remited to XXXX is XXXX. I thik it is caused by the internet seting. I finish fist step click the next step.the page automatically turn back and the currency changed to XXXX. And mean while there some other thing not crrect or not finished framed by red line. But the currency selection changed automatically and had no red line frame. 2 after almost 2 weeks my HSBC bank manager call me to confirm the transfer, I already told her the currency is USD, but HSBC did not mention me is XXXX. 3. The money reach The account transfer to. At XX/XX/XXXX. HSBC told me .HSBC told me the money stay the third bank ( in XXXX ) more than 10days. the transfer let me lost more then {$4300.00} in currency exchange, and cause me ca n't finish my contacts in time.I also have to compensate the investment. I am a XXXX ( XXXX XXXX ) My phone NO is XXXX. My email is XXXXXXXXXXXX. Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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 XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXXXXXX XX/XX/23 Is reporting late payments when the account was settled since was not opened with my consent. 
Also I found inquiries that I did never authorize : XXXX XXXX, XXXX BANK 15 U.S.C, 1681section 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 2018-11-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The reason I am filing this complaint is because i tried working it out with equifax but they dont seem to help me there is two accounts reporting on my equifax report that dont belong to me XXXX and XXXX   are not reporting it only equifax i can show screen shots as proof i have been trying to dispte it for almost 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Prosper Marketplace, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with XXXX about a year ago. Prosper Mastercard is issued by XXXX XXXX XXXX 
Over the course of the year my credit score increased at least XXXX XXXX and my credit utilization dropped below 10 %. Still Prosper did not increase my credit limit over the course of the first year. I believe having the Prosper account wasnt serving any benefit for me and so I decided to close the account XX/XX/XXXX. I closed the account on that day rather then wait and be charged for an annual fee. Shortly thereafter I viewed my account statement which showed a {$39.00} annual fee and listed XX/XX/XXXX to XX/XX/XXXX as tdates of service. I immediately wrote prosper and told them I was charged an annual fee on an account that was closed and not open or present during the listed dates of service. I received a response from prosper stating that the annual fee is not returnable after the first year. I wrote them again to emphasize that the account does not exists during the time or dates that you state on the statement for which you charge 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 2023-05-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Asked Chase to fill out a XXXX form from the treasury, They closed my bank account. 
Then when I fought against it they said : The Deposit Account Agreement ( DAA ) allows us to close an account other than a CD at any time, for any reason or no reason, and without prior notice.

What I say that is : # 1 Please return me my WET ink contract with you # 2 I have never heard of DDA? first I've ever hear of, I'm sure its some inhouse Chase talk, because I know nothing about it.

# 3. I enter a complaint on XX/XX/23 issue they respond with a XX/XX/23 response ( not relevant to this particular case DO NOT mix the two ) # 4. We will Clearly stay on the XX/XX/23, when you closed my account for asking for a medallion stamp? 
# 5. Now either you are misrepresenting yourself as a security transferring agent or the Treasury is?

# 6. we already know Chase is representing itself as a FDIC when it is clear Non FDIC insured.

# 7. These people are so inhumane. I have not spoken to a human person about this matter yet.

# 8. Who does it help to treat customers in a mean an inhumane manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been 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 2019-09-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing fraudulent information on my credit report for 3 months in a row now. I have called multiple times to inform Equifax that the information listed on my FCRA report does not belong to me, and that it needs to be removed. They have YET to remove the rest of the fraudulent information. This has violated the 605B law of the FCRA, that protects my rights. I have recently submitted documentation once again to the bureau and to the creditors to try and resolve this problem. 
Someone is benefiting from my identity, and I am the one who is being charged for these actions. 
Please remove the fraudulent information from my credit report pursuant to section 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Mr. Cooper Group Inc.
State: NJ
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:
Mr Cooper marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
Account from XXXX XXXX XXXX XXXX  was paid in full in XXXX. Please remove it from my credit 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 explanation
Consumer complaint received 2022-04-07
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello. I am making this complaint against Crypto.com for their negligence. On XX/XX/XXXX, there was an unauthorized transaction made on my account. At this time, I was unable to login to my account ( Someone logged me out and changed my pin ). After I got in eventually, I saw that my money was transferred from my initial investment into XXXX and then into XXXX and withdrawn to a wallet that is not mine. I notified crypto.com through their chatting support system ( thats all they have ). I sent them proof and after the relevant department finished their investigation, they decided that nothing happened and they will do nothing about it to help me. After this, I go online and find out that there was a company wide hack that happened AT THE SAME TIME this transaction was made and my money was stolen. Many crypto.com users were affected. Why was I not notifed about this hack? Why was I not notified when this unauthorized transaction occurred? and why are they not willing to admit that I was affected by it? This is no coincidence that his hack happened at the SAME EXACT TIME that my money was taken and crypto.com is unwilling to take any responsibility. truly the worst crypto currency app ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions 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:
The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and 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 2023-04-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This company failed to resolve my complaint submitted on XX/XX/XXXX in the same fashion as my husband which was also affected by this involuntary conversion from a fee-free account at XXXX to Citizens. I requested all the fees be refunded and this account closed with a check sent to the address provided. My husband requested this and received it in XX/XX/XXXX. I got different treatment however where the representative refunded my fees accumulated so far, but DID NOT reach out to me as claimed by e-mail ( it looks like they transcribed my address wrong - it's XXXX, not XXXX, a really obvious and sloppy error ) and kept my account open against my wishes. I have never encountered a bank refusing to close my account and send me a check for the balance. They did this deliberately to keep charging me the fee and added another frivilous fee for statements WHICH I ALSO DID NOT REQUEST. I have tried contacting this representative by phone but it always go to voicemail. The number they provide to call for general customer service has NO WAY to exit from the automated phone tree and talk to a live agent. This is the worst bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were put into a loan model payment plan for 3 months, after paying the last payment my husband was fired wrongful and we could n't make payment which took us out of the loan modification. We won the case with unemployment but it took nine weeks to get any money due. We have hired a lawyer for the wrongful firing of his job but we are in foreclosure because we had no income for my husband, he was also hospitalized for a month during this time.we have tried everything, working a hu d specialist but Wells Fargo will not w ork with us. Please help us keep our home.My husband has a good job and I 'm still working at my current job, we can make the mortgage aymentsvand want to remain in our home. Thanks  XXXX  and  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 2021-06-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  continues to report inquiries that i did not consent to, authorize, nor benefit from. According to the FCRA 1681 ( B ) ( 2 ) nothing on the consumer report shall be furnished without the written consent of the consumer.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
TransUnion credit report requested. File number XXXX, issued XX/XX/2023. Filed corrections with TransUnion and WA XXXX XXXX office. Some corrections made, however, payments made not reflected for years. Items and addresses are I as irate and my ability to obtain loans and financing are nearly impossible. Disclaimer at the end reads : wrote us back to request your original Social Security number and have that issued. I have gone to the social security XXXX office many times and never assigned a different number. This was assigned to me at an early age, XXXX. I want to seek damages from violators. XXXX party billing and collections are never ending and result in double billing, harassing phone calls, and many errors.

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