BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please I have sent in require info haven't sheard anything from the credit and credit reporting agency

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 2023-04-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete these accounts immediately XXXX XXXX- acct # XXXX, XXXX XXXX-acct # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I've recently checked my credit report from XXXX and TransUnion and I was shocked to see a fraudulent account was reported in my credit file. The XXXX XXXX XXXX XXXX is a fraudulent account, I did not authorize anyone to use my personal information in order to open this account. I filed the FTC Identity Theft Report and included this fraudulent account in this 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 2023-09-27
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 accordance with the Fair Credit Reporting act XXXX Accounts # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-31
Company: Block, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Swiped the CASHAPP card at XXXX XXXX XXXX ( hotel chain ) @ XXXX pm est XX/XX/XXXX it came back declined, they asked me to check my account balance and it showed {$150.00} as pending. I called Cashapp and they told me I had to wait 14 days to get my money back onto my account or submit a letter, they declined my first letter with no explaination why told me I still had to wait and hung up on me not answering my questions. I reviewed the email request for the letter from them and asked the manager at XXXX to be more detailed, sent him the letter from Cashapp and he resent a new letter that I forwarded to Cashapp. Nothing was done so I contacted the cashapp support via chat got the same result that no one could help me I had to wait 14 days, they refused to respond to any of my questions about the letter and the fact that I did what I was to do and they kept ending the chat. I waited until XX/XX/XXXX and XX/XX/XXXX with the last phone call resulting in that it was sent to a special team no date on when it would be resolved, no one in that department to talk to, no manager to talk to, and that both would respond via email. I got an email from them on XX/XX/XXXX at XXXX pm, in response to the email with the attachment with the letter, that they are closing the case that they have provided me with as much information as possible to help resolve the issue. I still havent gotten my money back or contact from a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
IN REFERENCE TO THE COMPLAINT XXXX The Citi had responded with a letter that is not clear and didn't mention the result of the claim Credit Protection Membership for XXXX Account Claim Number : XXXX ; Instead the letter indicates that I was qualified for a hardship program with no details, balance or breakdown information in regards. 

They have requested a lot of paperwork and I have spent a lot of money collecting the requested paperwork and certified email and they didn't respond yet. Attached the letter they sent and previous letters I have sent to them by mail and fax. Before that it was a lot of correspondence to another divisions they instructed me to sent the paperwork as well. 

The purpose of the insurance was to protect the balance of the credit card, then I was evicted and I had many financial and health struggles to this day and this company after charging {$100.00} per month in the insurance, is now avoiding the application of benefits, and did not provide a direct answer. This program and services are very deceptive. 
XXXX Previous COMPLAINT XXXX background details : I notified Macys Customer Services since XX/XX/2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having XXXX XXXX and XXXX   XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security XXXX ), leaving here and there without home and looking to move forward with my financial situation.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report investigation.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2022-10-28
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern : My name is XXXX XXXX. I am a XXXX XXXX veteran trying to obtain a VA loan to purchase a home, but there is fraudulent student loan on my credit report that is blocking the process. No success in correction after reaching out to ECMC directly, so I disputed the charge through the credit bureau again no success, so I reached out to the XXXX I then got a response from a representative of ECMC ( attached ) that they can not find me in their system. 

Can you please help me get this item removed from my credit history? 

Respectfully, 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 2022-10-28
Company: Experian Information Solutions Inc.
State: MO
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 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  
Unknown un recognized un authorized inquires

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 2023-10-25
Company: EQUIFAX, INC.
State: IL
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$990.00} ; If the credit bureaus feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-08-10
Company: The J. G. Wentworth Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on a house on XX/XX/XXXX, but title agent said we still can file complaint. 
Initially we licked our rate at 4.6 %. Then I asked about lender credit to cover pmi and some closing costs. We increased interest rate to 5.25-5.5 %. And this would have covered upfront pmi and all closing costs and prepaid items. So, the only item we were responsible for is our down payment ( {$11000.00} ). 
We paid {$4000.00} as an earnest money, so remaining cash to close amount was {$7500.00}. 
3 days prior to closing lender released CD where cash to close amount due was almost {$11000.00}. When we tried to clarify this, lender said this is not final amount and it will be corrected. Couple days later we received another CD reflecting little bit more than {$17000.00} as cash to close and our rate was increased to 5.75 % without our knowledge and consent. That triggered our payment increase by almost {$100.00}. 
Than a day before we received another CD, with increased rate and little bit more {$12000.00} cash to close amount, I tried to connect with Consultant, supervisor and manager regarding this. The only answer I got is that pmi all of the sudden increased. No one disclosed pmi amout to us. 
We submitted documents 3 weeks before closing and lender waited until the last moment to disclose this info. I still dont know what is increased pmi amount is. It was never disclosed to us. 
We spent all day at closing table and did not know what is the final cash to close is. 
When final CD appeared we noticed that lender increased rate even more without our consent and agreement and final cash to close was {$5000.00} more than discussed. 
This triggered ur to liquidate our savings. 
I had expressed my concerns to title company and said that current CD is not accurate and was told that we should sign and I still will be able to file complaint. I strongly believe that rate can not be increased without customers consent. Additionally, full disclosure should be provided in advance. Please help to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

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, has violated my rights.

15 U.S.C 1681 sec

tion 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Remitly, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022. I sent a money transfer {$500.00} through XXXX and later canceled. They promised to refund me my money after 10 business days. After 10 days I called, texted and sent bank statements and photos as requested by them but till today no result. I think I have been scammed. 
Each time I request my refund, they keep playing me around circles and making false promises without my money refunded. I need help to collect my {$500.00} immediately. I am desperately in need of that money to support my family. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The following inquiries are reporting illegally to my credit profile. I I DID NOT AUTHORIZE NOR CONSENT to any of these credit applications : 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

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 2022-10-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had 11 withdrawals made at a XXXX XXXX ATM. Someone was able to skim my card and American Express Serve refuses to acknowledge and refund the transactions. I've filed a police report and have sent them supporting documents showing that I was at work when the transactions occurred. They refused to get a subpoena to access video footage. This has been going on since XX/XX/XXXX. They said there " investigators '' determined there was no fraud but no one knows who took money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I when to login into my skylight account and It was locked, i thought i was my fault because i had a VPN on so i turned it off and called the company. I call the company, ( skylight ) they told me they would redirect me to the fruad department because my account detected fraud and they wouldn't let me talk to the person they said they would redirect me to. They wanted my information before I could do anything, I didn't because why would I share my information if there has been a fruad report detected. Like is this company being legit or are they doing something because this isn't how fruad is handled when it's detected.

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