BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im accordance FCRA. This creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 166N A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 USC 1681 604 ( A ) Section 2 A consumer reporting agency ( CRA ) can not furnish an account without my written instructions.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My complaint is going to Transunion Credit Bureau, I have sent you dispute for this issue numerous times, but looks like you completely disregard it. 
I'm not using any XXXX party for this matter that you been tried accuse me with. 
ONLY YOU XXXX HAS REPORTED THIS ACCOUNT ON MY REPORT, HOW XXXX XXXX XXXX REMOVED THIS FRADULENT ACCOUNT AND YOU KEEP SAYING It HAS BEEN VERIFIED???? HOW IT IS POSSIBLE IF YOU SEND MY DISPUTE TO THE SAME MERCHANT/CREDITOR LIKE XXXX OTHERS XXXX XXXX XXXX? 
All that means YOU DID '' N DO ANY FAIR INVESTIGATION. 
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.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 of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
I'm sending this dispute to the XXXX XXXX as well, so I'm exploring ALL MY RIGHTS.

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 2022-03-11
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My personal identification information was obtained by a fraudulent actor who opened an account in my name at the TD Bank and they did not notify me until they already opened an account. I want to ensure that TD Bank has adequately protected my information from additional fraudulent activity and that the fraudulent account opened in my name has already been closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 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 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 2020-10-02
Company: Shellpoint Partners, LLC
State: SD
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:
My mortgage loan was service transferred to New Rez in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called New Rez XX/XX/2020 and was advised there was a systemic issue and approximately XXXX accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV to the credit reporting agencies to correct the error. 

I called to follow-up XX/XX/2020 and spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. New Rez failed to properly investigate the account when the NOE was submitted advising of such error. New Rez dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times.

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress.

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again.

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed  chapter XXXX since the loan was coded as such.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On the prior complaint Freedom Mortgage claimed to payoff my pass due amount of {$21000.00} funds with XXXX funds received. I believed the XX/XX/22 response when my account balance was lower on my credit report, but 2 months later- I'm led to believe it never happened. I never received the canceled VA standalone in amount of {$21000.00}, nor evidence they corrected my account as they stated. Instead, it appears they sent this balance to a collection agency called XXXX XXXX XXXX and the {$21000.00} that XXXX sent to payoff my past due balance and previously showed as " unapplied funds '' on my XXXX mortgage statement, apparently is now missing funds. Please investigate this mortgage company for fraud. They continue to be involved in illegal activities to hurt Veteran homeowners like myself. They have sent my personal information to a company who should not have my information. I will be contacting an attorney next if this is not corrected. This is aggravating my 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 2022-04-06
Company: EQUIFAX, 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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 regards to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Transunion has violated the Fair Credit Reporting Act ( FCRA ) concerning my credit report. The FCRA states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. XXXX, XXXX and Transunion did not and does not have any consent from me to furnish this information. FCRA also states " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items and are reported again without my permission which is against the law. 15 U.S. Code 1681e states ''. FCRA states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX, XXXX and TransUnion 's reporting services.

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 2023-06-28
Company: EQUIFAX, INC.
State: KY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX card service bureau i had closed my account with a XXXX due to not being happy with the card I never rendered services and they put it on my credit report which should never be on it. XXXX all three credit companies have not fixed the issues they all want me to pay for membership which is not right

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 2022-09-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied to a Citi XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Citi XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.

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 2022-04-06
Company: ZuntaFi Corp
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a Bill in the mail like Ive applied for a installment loan in which I did not with the company named ZuntaFi. Ive nerve heard of such company not have I applied for any installment loan with any such company in fact, Ive already filed Bankruptcy in 2020 because of the same reason, for installment loans Ive never applied for, which damaged my credit profile tremendously. My Bankrupcy was discharged XX/XX/XXXX, XXXX, Ive had fraud alert and my credit freeze in place with all three credit reporting agencies since, and its currently in place now as of this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I received a settlement check, but lost it. Wells Fargo wants me to give them the check number to verify. I lost the check, so I don't have one, and around we go. This was an older settlement. 2021, I think. 

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 2022-03-11
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received letters from Nationwide Credit Inc that I owe money. I got validation letters ready and post office was not able to send letters because address listed on the letters from Nationwide Credit Inc is not legit. I am unable to validate debt. I am also unable to communicate with Nationwide Credit Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I had a payment of {$5600.00} due but only paid {$3000.00} - the next day ( XX/XX/XXXX ) I paid the remaining balance of {$2600.00} and was charged {$43.00} in interest. The subsequent month ( XX/XX/XXXX ) I was again charged {$29.00} for additional interest on the previous late payment despite my balance being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian has shown a deletion before dispute of what may be my social security number. They show the last four digits. They also refuse to remove a fraudulent address. In addition, within the last year they have fictious information saying a business named XXXX XXXX pertains to address of mine which is fraudulent.

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 2022-11-27
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my checking account without any reason or explanation. I have not had access to my account online for over 5 years or more without any explanation or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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  THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRIES WERE NOT AUTHORIZED. REMOVE 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 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
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:
And Experian continues to notify me that they have verified the account that I disputed as accurate. 
That account being XXXX XXXX XXXX Acc. # ending in XXXX. 
This account is in accurate and unverifiable, and I am once again requesting that Experian send me some type of documentation verifying this account or explaining the verification process, and how they actually verified the 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 2023-03-14
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chime was offering a bonus of XXXX XXXX when sign up for a new account and receive a direct deposit of {XXXX} or higher in XXXX XXXX. On XX/XX/17 I opened a Chime account through XXXX and I completed the direct deposit requirement within 30 days. The activity ID on XXXX for this account opening activity was XXXX. Per the terms, I should have received the bonus within 60 days. However, it has been almost 90 days and I still have not received the XXXX welcome bonus points. I have tried to contact XXXX but they claimed my activity was not tracked properly in browser and they suggested me to reach out to Chime to locate my bonus. I believe the response provided by XXXX is a lie because I indeed got the activity ID which is a proof of such activity. Chime is an amazing virtual bank and I want to keep my relationship with Chime in the future. Can you please coordinate with XXXX and credit the welcome bonus of XXXX XXXX XXXX XXXX XXXX ( equivalent cash value of XXXX XXXX ) into my Chime? My XXXX ID is XXXX, if this helps. Attached is the detailed promotion terms and a copy of my bank statement. Thanks!

Company response to consumer: Closed with explanation