BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : XXXX : The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/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 2023-01-18
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was judged in my favor through the court system. I disputed for it to be removed from my credit file with the credit reporting agencies and debt collection company along with proof that the debt was judged in my favor. The debt collection company failed to remove this account from my credit file after numerous attempts to correct it. At this time, I do not know what else to do but to get the CFPB involved to help resolve this issue. 

On XX/XX/2023, I received a response letter notifying me that XXXX XXXX acquired One Main Financial and merged to make OneMain, in addition to stating they would only add remarks that it is in dispute status but not that they would delete it when I do not owe debt due to them losing in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX i noticed that i had a pending transaction from XXXX. I didnt order anything so i called XXXX and asked if anything was purchased for {$190.00} with my card. They said only one purchase was made for the amount of XXXX with the last four digits of my card number and it was from a visa, not a XXXX. I called XXXX bank to dispute the charges. I had also noticed an charge from something called XXXX for XXXX dollars. when i talked to the agent i told them about both. i was more concerned with the XXXX dollars. they told me that it looked like a monthly charge on the XXXX thing. I told them i didnt know where that came from. they submitted the claim. I called a week later to see what was going on because i never received any information. I was told that they noticed those charges for XXXXe go back to XXXX of XXXX and they were only going to credit my account for the first 90 days. I said that was crazy and i asked about the XXXX transaction. they told me it had just posted and that they were working on it. I said okay and hung up. A week later i called back because i noticed that i was given a provisional credit of XXXX and then it was rescinded the exact same day. Once again i didn't get an email, letter or call saying anything was resolved with my dispute. So after being on hold for an hour, hung up on, hold for another hour i talked to an agent that told me that said my XXXX claim was outside of the 90 days. I said it was XXXX different issues. i was told i should have caught the first fraud sooner so the next one didnt happen. How is this a solution? That same agent was completely rude and got mad at me for asking for a supervisor. and told me if i resubmitted the dispute nothing different would happen. Ive never had anything like this happen to me with any other bank. i literally told them that XXXX didnt have anything from me and they telling me i took too long to catch the fraud. i caught the XXXX fraud before it officially posted to my account. how am i on the hook for that? why wasn't i notified at any step in the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied to a Colorado XXXX state program and they paid Freedom Mortgage {$17000.00} to bring the mortgage current on XX/XX/XXXX. Freedom Mortgage cashed the check, and put the funds into suspension. They have refused to apply the funds to the mortgage balance and are attempting to make me pay over {$19000.00} to bring it current ( additional interest, fees, and the new monthly payment ) and threatening to take my home. The state paid everything that was past due. Freedom Mortgage is stating they dont have to apply those funds because those funds are their own and not he state didnt pay this. They in fact did. Theyve stolen funds from the state of Colorado and are attempting to steal additional funds from me disguised as interest and fees and providing negative credit information as a result.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
A few months back when I tried applying for a home through a financial institution, I was denied because of my credit. When I pulled my credit I noticed there were several inquiries that was not authorized or initiated on my behalf. I tried disputing with all three credit bureaus and I was told to go through the original creditor. I sent letters trying to disputing with the creditors and still got any results. The inquires that are reporting on my Transunion are ... ... Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX ( Date of inquiry : XX/XX/XXXX ) Inquiry : XXXX  ( Date of inquiry : XX/XX/XXXX ) when I tried disputing these inquires with the three credit bureaus again, I was told to make a CFPB complaint in send in the report and or police report or FTC report alongside a picture of my ID and proof of address. As of told XX/XX/XXXX, I've yet received the satisfaction of these inquires being removed or even a reinvestigation of my disputes.

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 2022-05-26
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: Their investigation did not fix an error on your report

Complaint:
I have 5 unauthorized inquries that need to be removed, I never filed for XXXX XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account was paid off satisfactorily and never late. Also one account that says it was included in bankruptcy which i s totally wrong. I also want to validate XXXX accounts I do not recognize, all of these items are detailed in the letter enclosed

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XX/XX/XXXX - Received notification from XXXX XXXX that a hard inquiry had been placed on my credit report. Company name : XXXX ( XXXX XXXX ). 
XX/XX/XXXX - Attempted to contact XXXX. Was told by XXXX that dept had left for day. 
XX/XX/XXXX - Spoke with XXXX and she informed me to contact police to file a report and she would send a fraud letter to have completed. 
XX/XX/XXXX XXXX XXXXXXXX - police report finally given with case number : XXXX with XXXX XXXX XXXX XXXX Police Department ) XX/XX/XXXX - Attempted to obtain police report, but was told report was incomplete; had to go to police department to find out reasoning for incomplete report. 
XX/XX/XXXX - Received voicemail from XXXX XXXX that incident report was now complete. 
XX/XX/XXXX - Received incident report for identity theft incident. 
XX/XX/XXXX - Mailed certified letter to XXXX ( XXXX XXXX ) containing photocopy of my drivers license, incident report, and completed fraud letter company had provided. 
XX/XX/XXXX - Tracking number : XXXX shows delivered to XXXX XXXX XXXX 
Below are two of the suspects from my daughter 's stolen vehicle ( occurred same night ; however I did not realize my passport wallet containing my Social Security card, passport, and passport card had been stolen until XXXX XXXX alert ) : XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX, TN XXXX and XXXX XXXX XXXX ( XXXX : XX/XX/XXXX ) - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN 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 2022-12-06
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:
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 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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Re : Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Model : XXXX XXXX VIN # XXXX 15 U.S.C 1681 States I have the right to privacy 15 U.S.C 1681 States without my written permission or instruction a consumer reporting agency does not have the right to furnish my account The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have violated my rights as a consumer.

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.

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 2020-11-07
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
American Express is charging me usurious interest rates. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Was not notified of investigation status or results

Complaint:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX account ending with XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payment and update this account Immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single one each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged account is to be deleted.

the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows.

Alleging Creditor and Account as is reported as having a late payment on my credit report. 

ACCOUNT # XXXX { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AMERICAN EXPRESS 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX claims that my purchase valued at {$2500.00} was delivered by XXXX  to my home address and signed by me on XX/XX/2022 at XXXX pm. However, I didnt receive the package, let alone signed for it. Ive tried to file a missing package claim with XXXX but I was told only XXXX, the shipper, could initiate that claim. When I contacted XXXX, they refused to do so without providing me with any reasonable explanation why not. Then, I contacted Amex, my credit card company, and filed a charge dispute and provided them with proof documentation from my employer that clearly showed on XX/XX/2022 I was at work from XXXXXXXX XXXX to XXXX XXXX located XXXX miles away from my home address. That clearly disproves XXXX allegations that I personally received and signed for the package. In short, Ive never received the package and unable to file a missing package claim, sadly, neither XXXX, the merchant, nor Amex, my credit card company take my complaint seriously so I hope you do. Amex clearly states that Im not responsible for merchandise I didnt receive. Facts speak for themselves. Ive provided them with indisputable evidence that I didnt receive the merchandise I ordered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$65000.00}

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 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/2022, I as the consumer notified Capital One Certified Registered Mail of a BILLING ERROR pursuant to title 12 CFR 1026.13 ( a ) ( 4 ) ( 5 ) on account # ending in XXXX, in the amount of {$450.00} as of XX/XX/2022. Capital One never responded or investigated the Billing Error and that's a violation of 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. 
ALSO, according to the XXXXFPB-Consumer Financial Protection Bureau in regard to a Billing Statement, the amount shown is actually a CREDIT BALANCE that represents a credit in my account that the CARD ISSUER owes I THE CARD HOLDER. ALSO, according to the CFPB I as the CARD HOLDER can call my CARD ISSUER and arrange to have a CHECK sent to me in the amount of the CREDIT BALANCE. I the CARD HOLDER is requesting that the CARD ISSUER CAPITAL ONE send me a check in the amount of the credit balance in accordance with the CFPB.

Company response to consumer: Closed with explanation