BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent the following email to XXXX fraud investigation personnel who investigated my case on XX/XX/16. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hope all is well. As I attempt to have a closure on the recent identity theft activities at my expense, I came to the conclusion that a replacement of my current Texas driver 's license ( with a new license number ) is warranted. My local police officer who has been working on my case informed me that there are still cases where my Texas driver 's license is being used with different people 's pictures on it. I talked to the local XXXX people and they told me that in order to apply for a replacement with a new number, I would need a bank letter at which fraudulent activities occurred ( they DO NOT accept police report which surprised me ). Therefore, I came to you for help. I would need a letter from XXXX XXXX XXXXXXXX stating that a fraudulent auto loan was acquired with my TX driver 's license with a fake picture and signature of course. This document would support my application. Please also include my XXXX and TX driver 's license number in the letter. Thank you so much for your help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- However, I received a call from a representation informing me that XXXX XXXX XXXXXXXX would not be able to provide such letter. The standard letter they sent me in XXXX was the only thing they could provide in which there was no reference of what personal identification information of mine was comprised.

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 2022-05-23
Company: EQUIFAX, INC.
State: IL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-05-24
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i applied for a new mortgage through quicken loans. i am buying the house from my wife and disclosed this from the beginning. i have never been on the loan, title or anything as she had the house before i met her. they said as long as she hadnt missed or been late on a payment in 3 years, it would be ok and not considered a bailout, which they cant do. ive went through the whole process and gotten everything done theyve asked for. we had 10 days until our closing date. on thursday i received a message from the woman i had been working with stating that she was expecting the appraisal back on XX/XX/XXXX, and would contact me within 24 hrs after to go over the closing details. the next day i got a message from a purchase solution consultant saying i need to call him. i did and he said it wasnt going to work out. he transferred me to another woman and from there i was transferred to the " executive branch '' which is supposedly the highest branch you can talk to. i asked each person why this isnt going to work all of a sudden? i was told by each person that they cant say all they said eas a senior underwriter denied it now. i had to pay a {$500.00} appraisal fee and the rest would come off my down payment. i have already gotten the approval letter for the property and everything the absolute only thing we were waiting on was the appraisal to come back l. i never wouldve paid the {$500.00} if everything wasnt good to go. the executive woman i spoke with told me she couldnt tell me the reason it was denied. i said fine at least give me my {$500.00} back because it was a mistake on their end because my loan never shoukdve gotten that far if something was wrong. here we are 10 days from closing and all of a sudden it wont work now. she said she would review the calls and everything and itd take about 2 days to go through and then she could see abiut the {$500.00} back, then said nope its non refundable. i never got an explanation as to why my loan was denied and so late through the process, and i am unable to get my {$500.00} back that never wouldve been paid id someone on their end didnt screw up. they wont return my calls or emails and won't give me an answer as to why this has happened. i told then thats fine if they dont want to help me ill give my business to another company but i want my {$500.00} back! doesnt make sense witg everything being fine and approved jl, just wait9ng on the appraisal to close, then boom, not happening. they didnt resolve my issue, ask for anymore information, and never gave the reason why its denied at the very end and why i cant have my {$500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

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 2022-07-11
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in regards to fraudulent charges in a Union Bank credit card account. 

1. XX/XX/XXXX I was made aware of a " late '' fee on this Union Bank account for a card which I had never activated or used. I then viewed various transactions that I had not initiated ( see below ) : Transaction History for XX/XX/XXXX Transactions XXXX XXXX XXXX Date Transaction Description Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX GA {$43.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$170.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  {$190.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$44.00} Total {$850.00} XX/XX/XXXX XX/XX/XXXX 3 % XXXX XXXX XXXX {$5.00} Total Fees This Period {$5.00} I immediately contacted Union Bank and filed a fraud complaint, as I had not made any of these charges. 

XXXX. XX/XX/XXXX I received a letter from Union Bank fraud department acknowledging a fraud dispute had been opened, and to await further word by mail as to any conclusions. 

3. XX/XX/XXXX I received a letter from Union Bank fraud department in response to the fraud claim. However, the amount forgiven was only {$29.00} ( actual total was $ XXXX at that time ). 
I then made several attempts to contact the person listed on the letter, and could not get her on the phone, and her voicemail box was full. 

4. Time between XX/XX/XXXX- Present I contacted the fraud department 2-3 more times and re-initiated the fraud disputes, again with promise to be responded to by mail, but have yet to receive any further response from the fraud department. 

The company closed my account ( involuntarily ) resulting in an immediate XXXX point drop in my credit score, due to reducing my available credit. 

The " Collections '' department continues to make attempts every few weeks to collect the " balance, '' with no coordination between them and the fraud department, and no additional information provided to me. 

5. According to the latest statement, with due date of XX/XX/XXXX, the current " balance '' is {$1000.00}. ( Again, for a card I never used, and charges I never initiated.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: HI
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/2019 I found out I was the victim of identity theft when I went to apply for an auto loan. I requested my credit report and found about a month later when I received it, a credit card from XXXX XXXX XXXX with a balance of {$8200.00} that was not mine. I filed an FTC report on XX/XX/2019 to report I was the victim of identity theft. I asked all three credit bureaus to investigate. They did not remove the information, just put a dispute. I then followed up with XXXX and they took it off of my report and sent me a letter confirming that they considered the dispute resolved. I wrote to all three credit bureaus, and provided all of the supporting documents they asked for : passport, property tax bill FTC report, XXXX letter, my ssn, my dob, a cover letter. I mailed everything to all three on XX/XX/2019 with a request to put an extended fraud alert on my account. I also asked all three to remove the inaccurate information from my credit history. XXXX and XXXX followed the directions. 

My problem is with Experian. They sent me a letter dated XX/XX/2019 that said they are reinstating the information previously blocked. They state that they received contrary information. This is not possible since I already provided a letter from the credit card company XXXX XXXX XXXX that there is no dispute with me. 

Experian has intentionally harmed me by keeping inaccurate and false information about a debt that I do not owe on my credit report. I should not have to go through fixing this over and over. They should be penalized for harassing me by changing the information without explanation to reinstate inaccurate information after they were given all of the correct information several times. 

They have provided no help in resolving a problem which they are now perpetuating with real damage to my reputation. I think that they should be sued for their behavior.

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 2023-10-30
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX XXXX XXXX did not know what he was doing as he was clicking the " buy '' button on his XXXX controller and by mistake, charged over {$4500.00} to my debit card. 
The money came straight out of my checking account and when we called XXXX, they told me I had to call the bank to have them reverse the charges. Anyone can call XXXX and verify this is exactly what they tell you. As soon as we did this, XXXX cut all of the access off to my son 's XXXX. He lost every single game I paid for over the last 2 years. The bank declined the charge back even though this was an error and XXXX honored the mistake by cutting off his access to XXXX. 
My banker at the branch said this is not fair and had the fraud team open the investigation back up. She said, Truist will fix this. I put XXXX of dollars in the bank, I gave them my mortgage, car loans and business/personal accounts. 
The bank declined the dispute a 2nd time and XXXX said there is nothing they can do about it. So the money is gone AND the games are all cut off. So now I am out everything. This is highly unfair. If I file a dispute, I expect my money back. I give Truist all of my business and they do not even look out for me. They should be in big trouble for stealing my funds. I am filing as many complaints as I can. I want my {$4500.00} back. NOW.

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 2021-06-22
Company: EQUIFAX, INC.
State: TX
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 XXXX2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 45 days, and I have not received a response yet. I feel like my disputes are being ignored and/or not being taken seriously. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been well over 45 days and these items should be deleted immediately or I will file for litigation due to the extreme trouble I have gone through because of these errors. I was also informed that my information was leaked during the Equifax data breach and I believe it is being misused for wrong purposes, such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 is with XXXX XXXX XXXX XXXX and it shows that I was late in XX/XX/2017. My loan was actually in deferment. I recently checked my credit due to wanting to purchase a home in the near future and discovered this negative remark on my report. This negative remark lowered my XXXX score by more than XXXX points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-05-12
Company: CRESCO CAPITAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2018 the tractor that I had leased with Cresco Capital broke down on XXXX, XXXX bound to XXXX , Tn. I had the truck towed to a local company there. ( XXXX XXXX XXXX of XXXX Tn ) however, after the diaqnosis, they found problems with the DEF system and mentioned to repair it would be {$14000.00} which they would need half upfront to start the job. therefore, I mentioned this to the lease company and they said I would be responsible for all repairs. Afterwards, I fronted {$7300.00} and as they started to do the work they found addtional problems which meant additional cost. after estimates came back to the tune of {$16000.00} I again reached out the lease company explaining that I was willing to front as much as {$15000.00} toward the repairs minus the initial cost and ask if they could assist me in any way, which they refused. So I contacted the repair shop and ask if they had any credit applications for in house financing for repairs and they said yes and before I could get the application back to the company, the truck had been repossessed and placed derogatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: GreenSky, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
In XX/XX/XXXX, I took out a no-interest financing loan from Green Sky to purchase new blinds for my condo from 3-day blinds. See attached contract. The special financing would end XX/XX/XXXX. The blinds were installed in XX/XX/XXXX. 

To pay off this loan in a timely manner, I paid XXXX a month. Then, I noticed in my XX/XX/XXXX statement ( see attached statement ) that another charge from XXXX  XXXX  had been added to my account on XX/XX/XXXX for {$2100.00}. I never authorized this charge at all. From an email document from XXXX XXXX  sent to me by a XXXX, there was an account posting to XXXX XXXX XXXX XX/XX/XXXX for {$2100.00}. See attached png photo. I suspect that somehow this got charged to me for some reason. I notified both Green Sky and XXXX XXXX of this account error. All I want is that the {$2100.00} charge placed on my Green sky account be removed Despite the fact that I notified Green Sky and XXXX XXXX  of this mistake it has yet to be corrected. There have been all sorts of strange actions taken on my account, leaving me with a negative balance of - {$1200.00} ( see excel file attached ), which makes no sense to me at all. I still owe money on the account from my last XX/XX/XXXX statement to the tune of {$2200.00}. I called Green Sky on XX/XX/XXXX and spoke with the case manager XXXX XXXX on my account who did not seem to understand what I was saying and was unable to resolve the situation. Hence, I am turning to you for assistance. Thank you very much.

Company response to consumer: Closed with explanation