BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 instructio

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TRANSUNION crossing the line with false verification

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown items reflecting on my credit report. It is now well over 60 days later, I still have yet to receive a response. I feel like I've been taken full advantage of and ignored of my disputes requests. Section 611 ( a ) states, failure to investigate these items within 30 days gives sufficient reasoning to immediately remove stated items from my credit report. It has been over 60 days so stated inaccurate items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused. Also my information was impacted by the XXXX Data Breach and may very well be in the hands of criminals.

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 2018-11-19
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good Morning I have noticed that the debt appeared on my credit after my monitoring service notified me in XX/XX/2018. I waiting for the notice of debt to be mailed, However, according to the law a letter never was mailed by the stated company. I decided to send Diversified Consultants a letter myself requesting verification and ownership of the stated debt. I received a notice with just a face sheet with a simple amount owed. This is not considered verification or ownership of the debt. The letter threatened to take legal action and would have an adverse effect on my credit. I just want to be assured that the debt is correct and that this company definitely is suppose to be collecting this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have issued a check in XX/XX/XXXX in the amount of {$1300.00}. The payable party notified me in XX/XX/XXXX that he never received the payment. My bank, Citibank, showed payment cashed and copy of check has no endorsement signature. Below is the timeline : XXXX - reported to Citibank that my check was cashed without endorsement XX/XX/XXXX - received affidavit from Citibank which I completed it and returned by email on the same date. 
XX/XX/XXXX - I follow up with Citibank by phone and was told they didn't receive the affidavit so I immediately sent it while I was on the phone. 

I have been calling twice a month since XXXX and I kept receiving the same message, Citibank " back office '' is waiting for XXXXXXXX XXXX to reply. I requested to Citibank credit me while the investigation is going on since Citibank released my money when there was no endorsement on the back of the check. Today is XX/XX/XXXX and I still haven't receive a credit from Citibank. Each time I want to escalate this to a higher hierarchy, they tell me there is nothing they can do and disconnect me or just disconnect without any word. 

I would like Citibank to credit me in full while they investigate. If my life depends on this money, I would be homeless and starved. Please help me to get my money back and hopefully to have Citibank provides better service to their customer. 

NOTE : I have copy of the check & affidavit but they have my information so I will not attached to this compliant. I am only attaching the emails that show the time when I sent in the affidavit.

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 monetary relief
Consumer complaint received 2022-11-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Navy Federal Credit Union are taking funds out of my account. See attachment. However, Im aware that Navy Federal Credit Union has closed my account ending in XXXX due to an alleged debt of {$200.00}. However, I have a very simple question for Navy Federal Credit Union, ( 1 ) Does Navy Federal Credit Union comply with Generally Accepted Accounting Principles ( GAAP )? This is a very simple question. Yes or no, Thanks, sincerely. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( Experian, XXXX  and XXXX  ) with the messages that our credit are frozen and not available as show at the bottom of this communication. XXXX notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. 
I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the XXXX to assist - especially with Experian. We have probably 12 different numbers that we have tried with the 3 bureaus.

Working on-line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and XXXX  ). Experian doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data.

This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. 

We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. 

We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. 

Sincerely, Consumer Referral Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX | WWW.EXPERIAN.COM Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE

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 2021-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I have spoken with SPS and informed them I am selling the property and I am impacted under the Covid 19 and requested and extension on my Forberance and I have been making my Forberance payments every month. 

Instead SPS sends me threatening lets and have not ignored my request and communication and continued to harrassed me when I am trying to get support and SPS sends me threatning correspondences. Calls me all times of the night and day and I am already sick.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: VA
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. 

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 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2nd 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 items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; CXXXX 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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my card on XX/XX/2023, as well as my XXXX. It never has a lock on it as my FaceID was not working correctly. I noticed I lost my phone right away the night before, went back to where I lost it, it wasn't found. I was wearing gym shorts with shallow pockets and the card, but didn't realize my card was missing as it was also in my pocket along with my phone. 

I noticed big amounts were taken out from my card from a company in a matter of an hour or two that morning called XXXX in the amounts of {$140.00} and {$730.00}. 

I contacted Chase ( my primary bank ) and they promised a resolution over the phone within 10 business days, and got sent a new card out immediately. This was XXXX XXXX XXXX, it is now nearly a month later. They temporary credited the amount- but it is still in a dispute process which I believe they have yet to attend to. 

I contacted chase a second time because the dispute was doubled on the {$730.00} charge to {$1400.00} - but they credited back {$730.00} instead which was helpful along with the {$140.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: U.S. Auto Sales Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had my fill of this predatory XXXX company. I had an issue with my bank and reached out to these low life XXXX who have no capacity for compassion and rather than do what I was asking them to do and allow me to make a double payment on my next payment date, they basically said XXXX you its all about our selfish good for nothing bottom line. They have basically forced me to XXXX my savings account to satisfy their insatiable greed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
One 3 separate dates in the past year XXXX XXXX XXXX has placed hard inquires on my account. They have also sent me emails stating that I need to call them to finish the loan approval process. I have not tried to open a loan with XXXX XXXX in over 5 years.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.

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 2022-11-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was frauded by three crypto trading websites. I wired bank transfers to these websites, but they are scammers. I contacted my bank to get my money back into my account. My bank manager said there was no way they could help me because the transactions were completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a consumer credit card with Neiman Marcus that was my oldest credit card that I had on file. It is my belief that in order to make me appear " more worthy '' of being poor and XXXX  that this account was closed without my authorization. This account was on my credit report since the age of XXXX and was my oldest account that I had for over XXXX  years and was shut down without my authorization. 

I called into Neiman Marcus but they didn't understand my concern over this account being closed as they do not have access to " whom '' closed the account, when it was closed down, why it was closed down, and if this was done without my authorization. 

IF this account was closed due to a lack of activity than I can accept this fact but if the account was closed by a person who posed as myself then I do have a problem with this. It was not myself who closed this account and I would like this matter looked into a little deeper as I believe this was done in order to impact my overall credit score and lower my score making me an ideal candidate for XXXX  and for Government housing.

Company response to consumer: Closed with non-monetary relief