BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).

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 2022-04-04
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A New American Funding loan officer ran my credit without my permission. According to their customer support, XXXX XXXX ran my credit with my consent at XXXXXXXX XXXX but, that is not possible as I was in a meeting at XXXX XXXX I did e-consent for their soft inquiry pull which wouldnt affect my credit but, to my surprise a hard inquiry was pulled. Talk about shady business tactics and no help from support either. Told me to just dispute the inquiry.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: IN
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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-05-02
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2021-05-16
Company: Blackhawk Network Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello, On XXXX, XXXX 2021 I received my redemption code from Blackhawk for my Visible/XXXX Mobile promotion Mastercard of {$300.00}. WhenI attempt to visit My Prepaid Center https : //www.myprepaidcenter.com  and enter the redemption code, I receive the following message. " Oops. There's an error on our side. Please try again soon ''.

I have attempted to contact customer service via the following phone number, Mastercard cardholders : XXXX in the U.S. However, I was advised that they are unable to assist with the redemption code over the phone. 

Can someone please help? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT

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 2019-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During Hurricane Harvey, XX/XX/XXXX, my XXXX XXXX XXXX was caught in fast rising water and later declared a total loss. I had full casualty auto insurance as well as GAP insurance. I made the auto loan holder, XXXX XXXX XXXX, aware of the loss. My auto insurance paid XXXX the fair market value, leaving a balance for GAP to cover. I was repeatedly harassed by XXXX  because the GAP insurance payment was delayed. Eventually, the GAP insurance paid XXXX. Now I discovered XXXX filed a negative payment history on my credit report. I owe the nothing and do not believe they should be placing a negative activity repost against 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 2023-02-23
Company: EQUIFAX, INC.
State: DE
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 name is 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 personal information. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan servicing LLC ( part of first bank ) took over my mortgage back in XX/XX/2022. They didn't take out my XXXX payment on the XXXX. I called. They stated they had difficulties with the transfer from the previous mortgage owner, XXXX XXXX XXXX not to worry it will be drafted on either the XXXX XXXX or XXXX. So I called back on the XXXX and they stated they still having difficulty so we'll be no later than the XXXX. And they uploaded a copy of the mortgage payment for XXXX which showed the XXXX and XXXX payment will be drafted on XX/XX/XXXX. I called to make sure this would happen as I did not want to be late on a payment. They assured me this would happen and nothing would be reported to the credit company. On XX/XX/XXXX, they did not take out my payment. I logged in and it said because I was late on the XXXX payment I was ineligible for overdraft. So I signed in paid it for XXXX and XXXX XX/XX/XXXX. They did not report it to The credit bureau is that as the law. But they still have it marked on my account that I have a late payment. Because of this, I'm unable to request PMI removal because you have to have not had a late payment within the past year. I called multiple times about this and when you call, they say they can see everything I'm saying is correct. this needs to be removed! I do not want any late payments on my account so I can get the PMI removed. They are not helping with this. I've repeatedly asked and they keep insisting that I've made the payment late. They made the payment late!

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 2018-02-02
Company: Experian Information Solutions 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 noticed seven accounts which were opened which are not mine on all three credit bureaus.

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 2023-05-20
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Apparently one of my previous employeer used my ID card ( fake ID with his photo on it ) and my social to open a bank account with Eastwest Bank. From what I was told by FBI, this guy was involved in money laundering and drug trafficking and this account was probably used for that. I recently received a mail from XX/XX/XXXXXXXX XXXX telling me that I have a cashier 's check for this account and that is when I found out about the existence of this account. 

I have contacted the bank and asking them to investigate this issue, but I doubt the bank is following the right procedure to approve opening bank account as my employeer could use fake ID to surpass their security. This is a big problem as you have no idea how many accounts are opened under fake ID and used for crime and related activities. 

Since I have told the same infomation to Eastwest Bank, I have not gotten any updates on the investigation which led me to believe their process could be flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, Equifax and XXXX. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attended XXXX XXXX XXXX XXXX in XX/XX/2019 for 3 days. On day 3 the school asked me to leave because I had a open court case and they were afraid that I might miss training time if I needed to appear in court, even after I advised them that my case was going to be dismissed, and I would never have to physically appear in court. After I left their school AT THEIR REQUEST, they placed a collection account on my credit report with XXXX XXXX XXXX XXXX in the amount of {$270.00}. The contract which I signed stated I would work for them for a specified number of months once I obtained my Commercial Drivers License, and if I left the company before that timeframe, I would owe them for the cost of my CDL training. However, I never made it far enough to begin training for my CDL with them, so this is a violation of the contract I signed.

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 2023-04-11
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX I had emergency XXXX and was not able to work. I was released from the hospital on XX/XX/XXXX and started receiving long-term XXXX payments. I informed Regional Finance located on XXXX XXXX XXXX. XXXX, Texas XXXX of this situation and provided them with XXXX paper work to verify my condition. I had XXXX  coverage on my loan and they refused to use that coverage to make my monthly payments. Instead the supervisor XXXX XXXX forced me to refinance the loan on XX/XX/XXXX so any missed payments would be put on the back end of the loan. 
I was a told the XXXX payments would take affect with the new loan. Since the new loan has been in affect Regional Finance has been calling me inquiring about my payment of {$140.00}. I asked about the XXXX coverage and I was told that it was not on the new loan. XXXX XXXX the supervisor forced me to refinance the loan to cover the payments during my illness purposefully omitted the XXXX coverage so my payments would go unpaid. This has caused me a tremendous amount of stress by them violating my consumer rights and I want resolution and consideration in this matter. I do not want my credit file impacted by them reporting negatively without my permission and if any negative information has been reported I want that information removed from all three credit bureaus and secondary bureaus as well. I asked Regional Fiance to give me time as I recovered from XXXX and they only caused me more stress and anguish by using switch and bait tactics on me to sign a document that should not have been drafted. 
Attached is a copy of the loan document that was signed eletroncially while I was under doctors care during my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: PA
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I had a wellsfargo checking account from XXXX when I closed my account. During that time I had a large amount of overdraft fees, sometimes multiple in a day, despite having enough money in the account at the time the bank authorized the transaction. I called and called and tried to get them taken off with no success. Removed overdraft protection. Still got overdrafts. I cant even count how many I had over the span of 8 years. They would take the transactions in different orders in order to get the most overdraft fees. Eventually I got a management person on the phone to explain how I was over drafting in XXXX when I opted out of overdraft protection when I opened the account in XXXX and they said they still allow authorizations through without enrolling in overdraft protection for my convenience. Ultimately I was able to get that person to make a change to my account that would not allow any transaction to go through above my balance. After 8 years I finally got what I specifically requested when I opened the account in XXXX. I closed my account months later after hearing about wellsfargo having diversity interviews with people of XXXX for jobs that were already filled. Wellsfargo has atrocious business practices.

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