BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
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:
I discovered that my mail was stolen, and as a result, someone fraudulently ordered a replacement card for my XXXX credit card account ( number XXXX ). Shockingly, the identity thief made unauthorized charges totaling {$6000.00}, including interest charges, on my credit card. Recognizing the seriousness of the situation, I immediately contacted XXXX to report the identity theft and requested the closure of the account. 

To further address the issue, I visited the local precinct to file an identity theft report. However, I was met with an unexpected response from the police officer, who advised me to obtain a validation of theft from XXXX. Despite my efforts, XXXX declined to issue the validation, invalidating my identity theft report and leaving me responsible for the stolen funds and fraudulent charges. This turn of events is not only absurd but also indicates a failure on XXXX 's part to protect consumers like myself. I find it distressing that they are now accusing me of making false statements. 

I also sent dispute letters to the XXXXhree credit bureaus ( XXXX, Transunion and XXXX ) regarding the removal of this fraudulent account on my credit report. However, they did not respond with a proper investigation into this matter. As a result, the fraudulent account is still appearing on my credit report which totally destroyed my credit. 

In light of these circumstances, I strongly believe that my consumer rights have been severely violated, and I am seeking justice. I kindly request the removal of this fraudulent account from my credit reports, as it is unjust for me to bear the financial burden of someone else 's criminal actions. I trust that you will take immediate action to rectify this situation and restore my financial well-being. 

Thank you for your attention to this matter and for upholding consumer protection. I eagerly await your response and a resolution that upholds fairness and accountability.

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 2021-06-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX  : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities. 

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future. 

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I am asking for your assistance to remove the following fraudulent items immediately : 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 XXXXXX/XX/2023 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 2023-04-08
Company: EQUIFAX, 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:
On XX/XX/2023 I HAVE NOTICED FRAUDULENT INQUIRIES THAT ARE NIT MINE AND THEY MUST BE REMOVED FROM MU CREDIT REPORTING AND CONSUMERS REPORTING AS WELL YOU ARE VIOLATING MY RIGHTS AND YOU ARE BREAKING THE LAW AS FAIRS CARES ACT Inaccurate inquiries must be removed permanently This ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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: Account status incorrect

Complaint:
THE ACCOUNTS DISPUTE IS XXXX STUDENT LOAN HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE FOR THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.

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 2018-02-28
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Im a co signer for my daughter I co-signed 2 loans.at Discover student loans They transferred the loans to XXXX XXXX. I paid {$6000.00} to Discover on XX/XX/XXXX. No one can find that payment. One lady said she found the {$6000.00} But it was applied to a different co-signer for my daughter. I also paid 3 payments of {$500.00} on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Now they have found 2 of the {$500.00}. I also had to pay an additional {$4.00}, XXXX. XXXX. When she went to a semester in XXXX. I also filed a formal complaint with XXXX XXXX but Im still have not received the full amount of missing payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage got sold in XXXX 2015 to Nationstar Mortgage. This company has the worst customer service I have ever dealt with. I am in Customer Service so I do understand how challenging the job can be. First they can not send out the monthly statements. In 4 months I received XXXX. The second only came when I called to ask about it. But when calling the auto phone said my phone number and my my zip code did not match my account. Really? my account zip code is wrong? No, they are a complete mess. The rep told me I can make a payment but NEVER stated that there is a fee to pay my bill that they never sent. I gave her an amount and check number. To end up with Overdraft Fees for insufficient funds. To discover the rep at Nationstar submitted a different amount that we discuss. In my eyes that is Fraud and Theft. A {$19.00} Fee was added to my payment. THAT IS WRONG!! I called yesterday to complain about this. I was put on hold for 5+ minutes when the call was dropped. It took XXXX calls each time this happened and had to explain my story again & again. The reps last night had poor XXXX skills which added to my frustration. I called today to talk to a supervisor. Once again explaining my story and fixing my account, so he said, then finally transferred me to a supervisor. We we had to start over again. But she did state that my account was noted. Are you kidding me!! This company is a nightmare and still do NOT feel confident with them but I have no choice. I can not afford to refinance but I do not the the stress and anger about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Using Western Union, I wired {$200.00} in cash to relatives in XXXX NC. They were unable to receive it because WU was not processing payouts due to the hurricane. I cancelled the transaction on XX/XX/XXXX. Operator XXXX told me I would receive my money back in 24-48 hours. Since then, a week and a half later, I have called 3 more times, each time being assured I would get a number that would get my cash back '' in 24-48 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: KEYCORP
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account over 1 year ago with KeyBank back in XXXX. They had a promo where Id get a bonus of {$100.00} if I met some requirements. I have met the requirements and received the {$100.00} bonus. However, they sent me a XXXX form for {$300.00} instead of the {$100.00} I received for the bonus. I contacted them and asked them to amend the XXXX form as the amount was incorrect. My first contact was on XX/XX/2023. I was told that they would amend the form and it should be available on their website in a couple of days. A few days went by and no form was loaded. In XXXX I contacted them again and this time was told they had to send the amended form by mail. Due to the tax deadline, I had to submitted my tax return in good faith that they were sending me the amended form. However, I still have not received the form. I contacted them again yesterday and this time they are telling me that because I also received a t-shirt as part of the bonus promotion, they are valuing the t-shirt at {$200.00}!!! I was never told that when I opened the account. I even checked my documents. I was also never even given a chance to pick a size for the T-shirt! I was sent a XL shirt with a KeyBank logo! They cant make up value like that and overvalue this at {$200.00}! A t-shirt I can not even wear! Are they crazy?! I believe this is misleading and tax fraud and Id like to either receive the {$200.00} bonus or receive an amended XXXX form as it was promised to me twice before they decided to make up this excuse. Id like to also receive a {$50.00} compensation for the time I had to take to follow up on their mistake. All my contacts were via online chat and I have the prints of all the conversations where I was told multiple times that I would receive an amended XXXX form. I am very disappointed at this bank, their lies and bad customer service!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Nationstar Mortgage. I have been paying my mortgage balance every month. However, during last three months, the entire payment was posted to Escrow balance linked to my mortgage account twice. This resulted in getting several notices from the Mortgage company that I may lose my home due to non payment. This is very frustrating to deal with them over the phone with long wait times and had to email the mortgage company. However, by the time they waive late fees and apply payments correctly in subsequent months, it has already impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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 fraud alerts or security freezes

Complaint:
TransUnion, on their website has asked me for information in order to place a freeze on my XXXX year old dependent child 's credit file. The website asks for certain identifying information, which I have provided, however they are asking for more identification which is not inline with the website. One of the items that they now need from me is a certified copy of my child 's birth certificate their website asks for a copy of the birth certificate for proof that I have authority but not asking for a certified copy. I provided a copy, not certified as the law is clear that I should not have to pay for a credit freeze and this would cause me undue expense. Later on the page I am asked for identifying information for me and for my child one of the identifying pieces that I could give is my child 's ssn, which I provided on the letter that they received for request for freeze. I also sent a copy of my driver 's license as proof of my identification, which they asked for. I had sent the three items they asked for but now they are saying that they want more proof. I feel that they are not living up to the law and are attempting to not put a freeze on my child 's file so that they can continue to sell his information. I am only requesting these freezes on my family 's credit as to protect lenders from being ripped off as I am not afraid of identity theft, it's not my responsibility to protect the banks, it's their responsibility to not get defrauded. However, I am doing my best to be a good citizen and help the banks to not get ripped off and TransUnion is going out of their way to not honor the new law for a no-cost credit freeze. They are attempting to cost me undue expense for " certified '' copies of documentation. Please do what you can to make sure that they provide no-cost credit freezes without undue expense. 
After speaking to a person at TransUnion, they made a note that I had provided what was asked on the website but I am now being asked for more information. I have offered to fax them more documentation and they handed me over to a supervisor. The supervisor was little help and said that I'd have to call back because they could not access my son 's file at this time and that I should try again in a few hours. I am getting the run around on this and don't want to waste too much of my valuable time. Again, please help in dealing with this bureaucracy, 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 2022-08-15
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX, XXXX XXXXXXXX

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 2021-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting WELLS FARGO BANK CAR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 I purchased a XXXX XXXX XXXX XXXXXXXX from XXXX of XXXX XXXX which was originally listed for XXXX XXXX $ but verbally agreed to a discounted price of XXXX XXXX with me than went to speak sales supervisor on the in the front desk dishonestly added multiples unsolicited premium services to the contract than disguise by pretending to help me by signing the contract him self under the pretext that the sales XXXX was going to to explain the contract me when no such explanation was given. It's until XXXX weeks later when the bank statement came I found out that I was scam by the dealer rich out to them, the bank and even XXXX headquarters with all third party XXXX that this is between me and the dealership since all dealerships are independent entity 's while the dealership is gaslighting me with Statements like is that your signature, nobody put a XXXX on your head an made you sign. I have been taking action every since but their is not enough profit in the case to get a lawyer interested and not enough obvious resources to force XXXX of XXXX XXXX or other parties evolved to even investigate the incident meanwhile my credit has already been affected, I am being bombarded with threatening phones calls like this is a final action of collection before there's lawyers involve my vehicle has been reposes despite all my contest an during XXXX XXXX I had even got hospitalized in XXXX XXXX XXXX XXXX XXXX emergency center because I fell while at work and was diagnosed to have probably been cause by the immense amount of stress that I was dealing with at the time. In conclusion all I wish for is to have an investigation conducted on the day manor of which the vehicle that me and XXXX of XXXX XXXX sales man had agreed upon for XXXX XXXX $ end up on contract of XXXX XXXX Dollars loans. Thanks in advance for your time and effort on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, and XXXX 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 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 2022-06-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. 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 instruction.

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