BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT 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 2022-10-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent inquiries reported on my credit report. These are not my inquires listed below. I did include a clear picture of my ftc report. Some companies pulled my credit more than once. These companies listed below are the ones I didnt authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Braviant Holdings, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Began with me getting a {$600.00} loan, fell on hard times miss my first and second payments loan blow up, to {$1600.00} in 2 months okay whatever no problem so I call to settle loan, we both agreed that if I pay {$1300.00} the loan will be settled so I pay the {$1300.00} they send me email stating that they received my final payment of {$1300.00} and when it clears their system my case would be close and over.The next day XXXX get a email say they want more money after we made a settlement agreement. The remaining {$390.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was sold to Nation Star in XXXX which is now called Mr Cooper. 
As of XXXX I paid my real estate taxes and XXXX there was no escrow on this account with this company because I paid my taxes and insurance. 
Fast forward XXXX I was paying my taxes as usual. XX/XX/XXXX I notice an increase in my mortgage of {$920.00} a month in addition to my mortgage payment. 
Called Mr. Cooper they told me that the state notify them of a lien on my taxes in XXXX. 
Went to the city of XXXX in XXXX they showed a balance of XXXX taxes of {$2600.00}. I had no idea of this balance from the city of XXXX. My problem is I have been paying the extra {$920.00} for now but I can not continue the excessive amount of escrow. I have called and spoken to the company every month since this started in XX/XX/XXXX. The reason there was a balance of $ XXXX.in XXXX was because the exemption was not given to me because of a simple oversight by the Assessment office. 
That was cleared and the exemption was approved in XXXX. Now going forward I want to pay my taxes directly to the city of XXXX instead of Mr cooper taking from me the excessive amount of {$920.00} each month.I am being treated unfairly by this mortgage company. By charging this outrageous fee I believe this company is trying to foreclose on my mortgage. And this is another way for them to put more money in their pockets by forcing the homeowners to pay extra for escrow. Your help will be greatly appreciated. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CCF Intermediate Holdings LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed bankruptcy on this company but they still are contacting me and sold my old information to another company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-07-06
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX  ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX ( Original XXXX XXXX XXXX  ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX  - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 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. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 non-monetary relief
Consumer complaint received 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/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 2023-10-30
Company: EQUIFAX, INC.
State: PA
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 revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  and XXXX XXXXXXXX @ XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX XXXX NC XXXX. 

On XX/XX/XXXX XXXX XXXX is saying I created an account for them to pay my rent mind you on same day this account fraudulently I opened by someone working at front leasing office desk I personally cancelled any and all transaction corespondents with XXXX. XXXX  XXXX takes there monthly amount out of my XXXX XXXX XXXXXXXX checking directly on XXXX of the month. XXXX  is claiming they have a signed contract by me which is impossible because I am not the lease holder on unit XXXX I just pay the rent so they could not use me to be held responsible for any monies owed to them. I pay directly to the XXXX and only the XXXX. I have direct proof XXXX  not only ended the closed and settled this account only to reopen it months later. If XXXX  XXXX  paid the XXXX a pro rated portion of rent my I XXXX XXXX pay the XXXX every month directly its XXXX  and XXXX job to work out what ever logistics to ensure there is no debt. Meanwhile XXXX  keeps reporting to TransUnion I am in default especially after admitting file was settled on XX/XX/XXXX and wrote a response to my first inquiry they do not know why the XXXX will not refund any money that may be owed. If anything it then should default to the two rentees on the lease XXXX XXXX and XXXX XXXX not me XXXX XXXX I dont even know how XXXX  obtained my information. Either way the documents submitted will show XXXX  had already admitted this was settled then admit XXXX will not cooperate! So which is it? Facts are I pay XXXX directly monthly through my Debit Card and I do not have anything set up with anything with 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 issue is causing me significant distress and XXXX  to the point where I'm having XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2022-10-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2021-06-20
Company: Experian Information Solutions Inc.
State: AZ
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:
FRAUDULENT ACCOUNTS ON CREDIT REPORT I HAVE CONTACTED CREDITOR AND CREDIT BUREAU 'S AND HAVE NO RESULTS THESE ACCOUNTS DO NOT BELONG TO ME OR AND I DO NOT OWE ANY OF THEM MONEY CONSUMER ADJUSTMENT CO Original creditor : XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/2021 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/2021 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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom It May Concern, I am writing regarding fraudulent bait and switch tactics of Marriott and Chase regarding the Marriott Bonvoy " BOUNDLESS '' credit card. I recently applied for the card based on the advertisements that I saw online. When I went to apply, the offers kept changing. I wanted the offer that had {$300.00} instant credit from Marriott, plus up to XXXX points after spending {$3000.00} in the first six months. After I was approved for the card, I continued to see the promotion for the {$300.00} credit. I tried to apply again, but was denied ( likely because I had just been approved ). To this day, I continue to see promotional ads in my Marriott account about the {$300.00} credit, but when I click on that link, it goes to a different offer. See attached screen shots, including that when the offer is clicked, it changes to a different offer. 

At this time, I have not received a {$300.00} credit. I have called Marriott and Chase several times, and each company just points to the other party as the one responsible for the deceptive advertising. Each one says they have no ability to give the credit. I am still seeing the promotion for the {$300.00} credit all over the Marriott website, including on the home page and also when I log into my account. This is after I have notified both Marriott and Chase that the deceptive add is still being used and there is some pretty massive fraud and legal exposure. 

TO THIS DAY, I AM PROMOTED WITH THE {$300.00} OFFER, AND THEN WHEN I CLICK ON IT, IT IS A DIFFERENT OFFER. I have called both Chase and Marriott at least two times, and they do not seem to understand, or take seriously, the ongoing fraud. 

Damages for fraud are treble, so I'd like a credit to my account of {$900.00}. 

I'm copying various enforcement authorities to look into this, including reporting to the CA AG, CPFB, XXXX, etc. 

XXXX XXXX, XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-10-11
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made a request to my loan servicer, MOHELA, on or around XX/XX/XXXX for a refund of all loan payments made since XX/XX/XXXX under the CARES Act. MOHELA was not able to give me the number or amounts of transactions, or a timeline for the refund to be processed. As of XX/XX/XXXX, no changes have been made to my account balance nor has any refund been received. No communication regarding my refund status has been received. A call made to MOHELA on XX/XX/XXXX to request an update on my refund request was refused by MOHELA 's automated answering system. No means of contacting a service representative is otherwise provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital one closed my account after I filed a complaint against them for changing my checking account to another checking account. They did this knowing I had XXXX Direct Deposits into my first account. And this would keep me making transfers to the new account or get overdrawn and not be able to pay my bills. Both of these XXXX direct deposits are from the Government ; XXXX XXXX ) Social Security from Texas and XXXX XXXX ) life time check from XXXX XXXX from the State Of Washington. Changing both of these XXXX direct deposits would be major to change them. I am XXXX XXXX XXXX. and I really don't need these problems. Now I was trying to keep XXXX registers for XXXX checking accounts. I have a lot of bills and payments, the majority of them being paid with the Capital One Account. 
Now they have closed my accounts all of them. They are saying because of some deposits being made from a friend of a friend and he sent them from his unemployment. 
I have No Idea where he was sending them from! I don't think that is my responsibility. 
If Capital One didn't want to accept them XXXX should have refused them in the beginning. I didn't benefit from any of them! The first ones f were for a XXXX XXXX XXXX that had been run over by a car and she was going to loose her leg unless they did XXXX on her. This friend of a friend said her would send {$900.00} for the XXXX. Which he did and I forwarded it to the parent. 
The second amounts were a favor to a friend so he could buy something from another person. I didn't benefit from any of this. 
I don't have any idea what or how a person gets their Unemployment. I didn't know it was from unemployment, which wouldn't have mattered to me anyway. If he wants to use his unemployment that way, that is his business. 
But now Capital One has closed all of my accounts and kept my money that is in there. I can't pay my bills, and I am going to owe late fees on everything. 
I think they have done all of this because I reported them to the Cfpb. 
I have been a customer of Capital One for a long Time

Company response to consumer: Closed with explanation