BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I sent my letters out on XX/XX/2023 ( certified ). I told the credit bureaus to investigate every piece of information on the accounts I have listed below. I have attached the letters I sent and the tracking numbers. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is aquatinted or may have knowledge concerning any such items of information. 

They stated that they are unable to verify if the letters were being sent by me. However letters were sent certified. Every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA USC 1681 Everything must be 100 % accurate. 

Tracking numbers : XXXX, XXXX Accounts : XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # 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 2022-04-21
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:
This complaint is being filed because of the constant non-compliance of TransUnion. I have attached proof of letters sent to them that was ignored or not read by a human being. On XX/XX/2022 I mailed a letter to TransUnion challenging the accuracy, compliance and reportability of ACCT # XXXX XXXX XXXX XXXX. I recd a letter alleging that I was a Credit repair Company. On XX/XX/2022 I wrote another letter and mailed it certified to TransUnion informing them I had recd no response and pointed out to them inaccuracy being reported. I requested account be remove due to inaccurate reporting. The account number was different from XXXX and XXXX so I requested correct account number. The address given for the alleged account owner was also inaccurate and different from XXXX and XXXX. On XX/XX/2022 I received a letter from Transunion that the account was verified accurate and updated. On XX/XX/2022 I mailed a certified letter to Transunion Attn : Dispute Manager I explained I was left with no choice but to file a complaint with the CFPB, Attorney General, XXXX and XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to they were in non-compliance and also in violation of the XXXX Law. I also sent the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they had sent a letter to the credit reporting agencies for deletion of the account. Why is this account still on my credit report? When I sent proof, it should be deleted.

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 2021-05-27
Company: FISERV INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I completed my shopping at XXXX XXXX where I had previously shopped and paid by check, and let the cashier know I would be paying by check. She advised me to sign my name on the check. I added my phone no. as I am accustomed to doing when I write checks. As I was advised previously as long as I am a XXXX XXXX " member '' I can write a check at the store and for up to {$50.00} cash back. I requested {$20.00} back so I could go buy gas. Cashier ran the check through the machine at her register but then advised that the transaction was declined. I called my bank because just today I had decided to cancel my check card after it had been missing for about the last week however they advised the cancellation of my check card would not trigger a decline of a paper check and they saw absolutely no irregularities with my account which had more than sufficient funds for the {$82.00} I was writing the check to cover. After enduring the embarrassment and humiliation at the store with store employees and other customers present, and a cart full of groceries, not to mention the hour or more it took out of my homebound commute, my son in tow, I called Telecheck at the no. on the receipt I was provided. I pulled over to punch in all the nos. requested and went through several loops as I drove home ( on a dangerously empty tank ) just to get to a representative. I attempted to learn what happened and how I could resolve the issue so that I would be permitted to write checks on my account and pay for groceries and gas during a period of time I had no other method of payment for basic necessities for my family. I was placed on hold to speak with a supervisor and was on the line a total of close to 90 minutes without any additional information shared to explain their actions, or any resolution whatsoever. This company needs to be held accountable both to merchants and to customers of those merchants. Its unfortunate too that XXXX XXXX could not have entertained other methods of verifying may payment with me, e.g. my photo id, my ph no., etc., but they rely on Telecheck to do that and Telecheck does nothing to support innocent customers who have absolutely no fraudulent intent just so they can make money providing a service that probably harms more people like me, to catch a few fraudsters.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX XXXXonsumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 

XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX 15 U.S.C1681 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 handwritten 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 2022-04-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
im apply a business card at barclay websilte. and received the result said is reject, call the customer service said need to provide the share holder information. 
our company is a XXXX , we have 2 share holder is XXXX i talk the the customer service said they only on 10 % of the company each and not the use person, do not have the ssn and the XXXX id ask what need to provide. they just call me back said the backend just request XXXX passport to process. after i submit the document, they said they do not accept any foreign document. you can reject the application. but the rep ask the document to provide, after i provide the document you request. the result is reject this document. it's joking to the customer. 

my application id 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 2023-05-10
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted Southwest Credit about sending me a written contract between me and the original company with my signature and date that I obtained this service. Unfortunately they have only sent me billing statements that doesnt even have my last name on it. I first contacted them in XXXX and they have yet to send me the contract. I would appreciate it if this debt could please come off my credit since they were unable to provide me with the contract from the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 accessed my credit report a total of SEVEN times without my consent from XX/XX/XXXX to XX/XX/XXXX. Some Inquires duplicates ( same day ) NONE of Which I authorized or Recognize. 

XXXX XXXX XXXX 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/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 2023-06-06
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: Information belongs to someone else

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit 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 2023-05-09
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: Personal information incorrect

Complaint:
Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Credit Bureau Name : EXPERIAN Bureau Address : XXXX XXXX XXXX, XXXX, TX XXXX I Need These list of Incorrect/Misspelled Addresses , DOBs, & Names Removed & Deleted off my Report Because they Are Inaccurate! 

INCORRECT ADDRESSES : XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX. ) XXXX XXXX XXXX # XXXX, XXXX, NC, XXXX INCORRECT DOBs : XXXX. ) ( XXXX ) INCORRECT NAMES : XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX Thank you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / 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 non-monetary relief
Consumer complaint received 2022-01-15
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My PMI was supposed to have been canceled as of XX/XX/XXXX as confirmed with Flagstar Bank several times with agents over the phone, last one XX/XX/XXXX with a case number of XXXX. I was told then that my PMI would be processed for cancellation and that I should not be charged again on my XXXX statement. 

I just checked and I was billed for PMI again on my statement dated XX/XX/XXXX more than XXXX calendar days after the request was made. I've tried contacting Flagstar again to resolve the issue and keep getting sent to other agents with only promises of escalation. 

This isn't the first time Flagstar has had poor customer service. There have also been circumstances when they have from my XXXX  been out of compliance with regulation, e.g., when my loan was transferred to Flagstar they didn't provide notice in the minimum required amount of time stipulated by the CFPB, and have in the past as a result of their poor systems double charged me ( when a payment was not reflected in their system after being made ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
For more than a year I am trying to find a loan to pay off SLS since they have refuse to make a loan modification or continue making payments, I have tried to refinance and they refused to provide information the underwriter have requested to process the new loan. I am trying to refinance with another lender they requested XXXX mortgages statements and the pay off. The last mortgage statement shows {$52000.00} dollars and the pay off is almost {$100000.00} dollars. 
I do believe that this is a scam and a sort of a predatory lending to make harder and harder for me to find a refinance to pay them off If I don't close a new loan by XX/XX/XXXX. they threaten me with a foreclosure sale on XX/XX/XXXX. even though I have a XXXX XXXX XXXXXXXX as a first lien.

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 2022-12-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had 2 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX Account # xxxxxxxxxxxx  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Resurgent Capital Services L.P.
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:
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses. 

XXXX XXXX Bank transferred my Nonpublic Personal Information to an nonaffiliated 3rd party ( Resurgent Receivables LLC ) and Teisha WITHOUT any of my lawfully authority.

The two companies mentioned above shall be fined under Gramm-Leach-Bliley Act {$100000.00} ( PER VIOLATION ). 

I, XXXX XXXX, did not give any written instructions nor permission to XXXX XXXX Bank to transfer my personal information nor sell my account pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) both companies will be held Criminally accountable. Facts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to express my deep concern and frustration regarding the status of my assumption loan application, which has been pending for over three months. I have diligently provided all the necessary documentation and have followed the application process as instructed. Despite multiple attempts to reach out via emails, I have not received any direct communication from them. 
I understand that the assumption loan process can be complex, but the lack of communication and transparency has left me in a state of uncertainty and distress. I have received packages from CROSSCOUNTRY MORTGAGE company and have sent all required documents through mail as per instructions. However, the absence of direct contact has made it extremely difficult for me to obtain updates on the progress of my application. 
Furthermore, my broker-XXXX XXXX who works in collaboration with his ( CROSSCOUNTRY ) company, has also faced challenges in establishing contact with Assumption department. He has expressed his inability to reach anyone who can provide clarification on the application status. Additionally, the reseller involved in the process has uploaded their side of documents through the portal ( CROSSCOUNTRY ) but has not received any response or confirmation. 
Given the prolonged delay and the lack of communication, I am left with no choice but to seek resolution for this matter. I have invested considerable time and effort into this application, and the continued uncertainty is impacting my financial plans. I urge you to promptly review my assumption loan application and provide me with a clear update on its status. 
Reseller wanted to close this property asap and if I close this property without Assumption Loan then I will be significant financial losses amounting to thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XXXX I noticed a debit of XXXX from XXXX then 6 more pending transactions all from XXXX  at XXXX in amounts of {$1.00}, XXXX, XXXX XXXX XXXX XXXX. I locked my card. Waited until morning to call directexpress and waited on hold for 60 minutes. I talked to a gentleman who I thought was the dispute dept. He canceled my card and said he would send a new one I paid the expedited shipping fee but he then tells me he's going to transfer me to the dispute dept. Ive been currently on hold for 2 more hours with no dispute or cash returned for these fraudulent transactions. This is my SSI Income that I can't afford to lose. I need this resolved NOW!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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