BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to the Fair Credit 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, has violated my rights XXXX 

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 take 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 information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Credit bureaus fail to remove collections from credit report.Im submitting a email from XXXX stating it would 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 2017-09-21
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:
I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XXXX XXXX - XXXX XXXX. I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XXXX XXXX - XXXX XXXX. Please assist me in getting these late reportings removed from my credit file.

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 2017-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XX/XX/XXXX - XX/XX/XXXX I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XX/XX/XXXX - XX/XX/XXXX. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-25
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I transferred money to my brother via PayPal. My understanding was that I am sending {$3000.00}, {$0.00} fees and he receives {$3000.00}. The reality is that he ( the recipient ) ended paying 7.4 % fee. When I asked PayPal to revert the transaction ( my brother was going to refund the money ) I was told by PayPal that he would still have to pay the transaction fee. I believe that their practice is not clear to the sender and that PayPal takes advantage of people by charging them abnormal fees. Most banks would charge {$40.00} to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, I contacted someone I thought was an employee of XXXX about fraud and identity theft. I found their number through my XXXX app, but I didn't realize that had been hacked, and a fake number given. The person who committed fraud against me convinced me to use an app called XXXX to share my screen with him. He told me that the person who had committed the initial fraud against me, about whom I contacted him, had my identity and information and was trying to steal more money from my bank account using Cash App. He convinced me to send {$1500.00} to my sister and have her send it back to me on XXXX. Unbeknownst to me, as soon as the money was received from my sister, it was stolen and used to buy Bitcoin. The fraudulent individual convinced me to do the same thing on XXXX, sending {$2000.00} this time. When I realized that this further fraud had taken place, I took steroids to try to get the money back. I contacted Cash App on XXXX, and the representative I messaged told me that the money could not be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: U.S. BANCORP
State: OH
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:
US Bank is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need US Bank to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: CT
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received email message saying UNUSUAL ACTIVITY SURROUNDING my BOFA Debit card ( chip ) at a XXXX XXXX XXXX XXXX which that XXXX or ATM I never use, that it, the fraud was DECLINED, again DECLINED after reports through onsite BOFA XXXX ( XXXX ) I spoke with a bank representative several times to be treated in a suspicious and brusque manner ( as if trained - and as with other complaints over the years, see XXXX XXXX XXXX REPORTS to FBI and other ) the DECLINED STATE ( chip ) has left me without access to funds for day-to-day expenses, a new card presumably to be delivered in XXXX days, the DECLINED ( not carried through ) ATM activity at XXXX XXXX XXXX XXXX XXXX which I never use!, is now XXXX entries in my checking account listing of transactions, a REVERSAL XXXX followed by a POSTING XXXX XXXX which leaves me inaccurately charged {$100.00} for a transaction stated as DECLINED, as it appears and bank fraud which happened before during COVID-19 in which I lost several XXXX dollars. The intransigence of the bank employees leaves suspiciin ( baby crying in background, surly BOFA employee ( voice remembered from XXXX past oimplaint some law-suit XXXX 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

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 2020-07-11
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Apple Card on XX/XX/2020, I got a denial due to only one reason : " You have recently been past due ''. 

This is NOT true! I checked my XXXX  credit report and there is NO lates in the last 7 years? It said I had a score of XXXX, I don't know how someone can have that score with " past due payments ''. 

Please review and correct, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I made a deposit into my account with a check clear date of XX/XX/XXXX, on XX/XX/XXXX I was told my account was being closed without any reason. On XX/XX/XXXX I called the bank to see if my funds were available a representative confirmed the balance to be {$24000.00}. He told me he would put in a hardship claim for me to get my funds from inside the branch since my account was set to be closed and I needed my money, he told me it would take 5 business days to receive a response. Ive called everyday since then for an update with no updates, only answers Ive been given are very basic responses. Long behold today is XX/XX/XXXX and not only have I been told 4 different closure dates, initially being XX/XX/XXXX then after the hardship claim was entered I was told it sped up the closure process & it was set to close XX/XX/XXXX which it didnt. After making contact on XX/XX/XXXX I was told the closure date was set for XX/XX/XXXX then I made contact on XXXX which I was assured it would be closed on this date and only to be told its been extended to XX/XX/XXXX, l but also complete lies as far as having been told a cashier check is being mailed out via ups with a tracking number to be provided. Ive spoken to supervisors only to be told they have escalated it to a further department with no resolution or an exact date. They dont care because it isnt their money but this is unacceptable. My funds are being held without a reason and need to be released to me IMMEDIATELY. Once they decided to close my account without any reason other than it was a banking decision, I am supposed to be able to withdraw all my money out of the account. This should not take 3 or more weeks. I need a resolution in the form of MY FUNDS AVAILABLE INSIDE THE BRANCH OR AN EXPEDITED SHIPMENT OF MY FUNDS VIA CASHIER CHECK.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My ex-husband and I divorced on XXXX He kept our residence which was financed through Wells Fargo. I moved in with my parents. I was court ordered to sign a quit claim deed for our home, which I did. My ex-husband was court ordered to complete paperwork to effectuate the transfer of assets and liabilities pursuant to our divorce order. He did not. On XX/XX/XXXX, we mediated and ex-husband agreed to make a good faith effort to assume the existing VA mortgage and release the wife ( myself, a nonveteran ) from the liability of the mortgage. He has not. During this thirteen-year period, Wells Fargo has restructured the mortgage twice in my name. I did not sign or attend the closings. I have not given verbal permission for the restructures of the loan. During the first restructure, I received a phone call from Wells Fargo to meet with a notary to sign. I told the woman that I would not sign and will not give permission to restructure the loan. They restructured and added principle onto the mortgage against my wishes. On XXXX principle amounts of {$17000.00} and {$20000.00} were added to the loan. In XX/XX/XXXX, I was emailed by Wells Fargo about another refinance. I emailed XXXX in response and called as well. In the attached email, I stated I do not want the loan refinanced or restructured in my name. Wells Fargo did not respond and the loan was once again restructured in my name. More principle and time was added to the loan. I do not know the amount of the last principle added. This has had an impact on my credit and more debt in my name. My ex-husband has remained employed by the same large corporation since our divorce and continues to have increased income. I have not given permission for the last two loan changes. I left the home thirteen years ago. I do not understand how Wells Fargo can legally restructure a loan twice, despite a court order for my ex-husband to refinance solely, without my consent or signature. I respectfully ask Wells Fargo to remove my name from this mortgage.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2020-07-10
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2019-06-20
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2017 a SLS representative named XXXX XXXX ( spelling may be wrong ) left me a voicemail in which she stated that I am required to have an XXXX insurance policy and to send evidence of an XXXX insurance policy. She also stated that it was Required by the State of Florida that I have an XXXX insurance policy for my condominium. This voicemail is provided in the attachment to this complaint. In addition, I believe should also have a recording of this same call given record retention requirements for loan services. 
I have requested the regulatory citation referred to by SLS. SLS has not provided me in writing any legal citation that I was required in the state of Florida to maintain an XXXX insurance policy. I am requesting that in response to this formal complaint, SLS provide a response to the following two questions : 1. Do you agree or deny that your SLS representative left me a voicemail on XX/XX/17 stating to me that an XXXX insurance policy was required by State of Florida law? 
2. Can you provide a citation from Florida law that was EFFECTIVE AT THE TIME OF OUR COMMUNICATIONS that specifically and clearly states that XXXX insurance was REQUIRED? 
Any response provided by SLS to the aforementioned questions will be insufficient. This request is simple and clear and I hope SLS can respond timely and appropriately

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