BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
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: Their investigation did not fix an error on your report

Complaint:
TransUnion will not delete XXXX XXXX XXXX  from my credit report when it shouldn't be on there this account was disputed back in XX/XX/2020 and removed from my credit file it was purchased by XXXX XXXX I have told TransUnion to reach to them so I did and they sent me an no obligation letter after doing there investigation is XXXX XXXX XXXX has already been removed and deleted from XXXX and XXXX already but TransUnion still remains this is unbelievable it wasn't even my account to begin with someone some how open under my name using my info I have locked in freezes on my credit files now wish I would of knew bout this years ago but yes again please so help me the saying is the truth will set you free this has damaged. My credit so please remove I have sent the letters in to TransUnion from XXXX XXXX XXXX  and 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 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate ......

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with XXXX forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.

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 2020-12-29
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I contacted AmeriSave Mortgage. I was contacted by an agent by the name of XXXX XXXX and proceeded to fill out their online documents and provide them my credit rating from all three agencies. I paid them {$500.00} to have my home appraised in my attempt to refinance.I was told I would receive a rate of 2.5 % fixed fee with no points and that my total " all in '' would be you approximate {$4000.00}. 

I was attempting to refinance my home with the maximum amount available, {$520000.00} at the time, without becoming a balloon type of loan. My home appraise for more than four times that amount. All credit bureaus reported excellent credit. I've lived in my home for 20 years.I showed other assets capable of playing the loan at any time. 

We are now moving into XX/XX/XXXX I have yet to receive a locked-in rate or closing date for this mortgage refinancing. 

I am concerned that this is nothing more than a boiler room operation marketing itself as a " digital mortgage company ''. I became concerned in XXXX when I had filled out all the documents only to be asked for the same documents. 

I contacted XXXX XXXX and asked him what the delay was. He indicated he didn't know but his computer told him it was something to do with the title and he would get back to me. He never has! I've since asked for my {$500.00} back. I have not heard anything concerning that request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2022-10-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
On XX/XX/2022 I used Venmo mobile app to make a payment of {$1000.00}. The balance of my Venmo account was sufficient to cover this payment. Venmo made the payment of {$1000.00} using the money in my Venmo balance but then made 2 attempts to debit {$1000.00} from my linked bank account resulting in a {$30.00} insufficient funds charge each time. 

I contacted Venmo and they stated I could NOT use my Venmo balance to make payments which is why they twice attempted to take funds from my linked bank account. I pointed out that Venmo HAD used my Venmo balance to make the payment but then still kept attempting to charge the same amount from my bank account. The Venmo representative stated that additional verification would be required to be able to pay with funds in my Venmo account and directed me to the additional verification setting in the Venmo App. The additional verification page only had a statement saying that the additional verification would help improve security but had no mention that it was required to use my Venmo balance to make payments. 

Venmo has deceptively structured their system so that money paid in goes to their own Venmo account instead of being automatically deposited into the linked account but money paid out is automatically taken from the linked bank account instead of being paid from the customer, s Venmo account balance. Additionally, they have purposely denied the ability for a customer to use funds in their Venmo account during initial customer setup and hidden the setting in their app behind a setting that only has a description of providing additional security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: HJ Ventures, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my youth I made some poor decisions and found myself XXXX in the Arizona XXXX XXXX I am embarrassed of this and it is difficult for me to actually need to use that XXXX as proof I did not obtain the debt I am accused of owing. The debt was obtained at XXXX XXXX I don't know if it was a loan or credit card. In XXXX, a judgment was made against me. I was never served any documents and had no idea I was being pursued for this debt and to this day, it has not appeared on my credit report which tells me they didn't have my correct SS number. In XXXX, the judgement was renewed. My wages were garnished out of my final paycheck with my previous employer. At that time, I contacted an attorney. I paid him to present the facts and proof I could not have obtained the debt while I was incarcerated. It is my belief my brother and sister-in-law used my info and obtained this debt. They have {$80000.00} in judgements and collections against them. I have no negative credit and pay all my debts on time. XXXX XXXX was my attorney and filed with the court a motion to dismiss due to the fact I was never served. The judge denied the motion and accepted the service statement that they served my father with whom I was not living with. I was never served, my father signed an affidavit swearing under oath he was never served either. The attorney said he couldn't file anything else which I could not understand. XXXX XXXX spoke to the attorney at XXXX XXXX XXXX and provided the proof I could not obtain the debt and was told, " Too bad, we have a judgement, he has to pay it ''. I filed a request with the court to allow me to show the proof and dismiss this judgement and was denied. I was not going to pay a debt that has been so over inflated as well and was not my debt. Originally it was for {$2000.00}, and now they are garnishing my wages for {$10000.00}. I am employed with XXXX XXXX  XXXX and as of XX/XX/XXXX, they are garnishing over {$600.00} a month from my check and charging 24 % interest on a debt I never obtained. I have asked XXXX XXXX XXXX for all the original loan documentation, application and signatures and was told it has been destroyed by the original creditor and they don't have any of it. They refuse to give it to me. How do they obtain judgments without proof of the initial debt. I don't know where to turn from here. I have done everything in my power since I was released in XXXX to live on the straight and narrow. I have distanced myself from family and friends who were negative figures in my life. I haven't had so much as a speeding ticket. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My XXXX XXXX, E-States at XXXX, in XXXX XXXX, CA contracts with CIT Bank to provide PropertyPay service which includes electronic payments as well as automatic payment. 

My automatic payment plan was set up in XXXX and never touched since then. 

CIT Bank has missed my XX/XX/XXXX payment and I was assessed a late fee of {$45.00} and delinquent interest of {$0.00}. 

Both the late fee and the delinquent interest was added to my bill and payment for XX/XX/XXXX which was subsequently automatically paid by CIT Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX TransUnion 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 2018-05-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by Equifax. XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of Equifax with regards to these accounts. I provided them proof of the inaccurate credit reporting. Equifax did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote Equifax directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that Equifax received the dispute. A copy of this complaint as well as past CFPB complaints on Equifax is going to the FTC, Georgia Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.

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 2020-11-05
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TD Bank - I have checking, savings and Christmas Club with them. Christmas Club account was automatically closed out for XXXX on XXXX XXXX, XXXX. I have not received check of {$1100.00} as of XX/XX/XXXX. I first called on XX/XX/XXXX and asked about the check and was told to wait 10 days. I next called on XX/XX/XXXX. In the conversation I was informed that the check was sent to an old address that was not changed by the bank in the summer of XXXX with the other 2 accounts. The representative told me I needed to go to my branch about getting a new check if they knew me ( really? ). I explained my bank is in XX/XX/XXXX and I am currently teaching in XXXX, XX/XX/XXXX. I was informed that only a branch may reissue the check and I had to call them. My branch has closed ; nearest branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I called on XX/XX/XXXX and finally was able to talk to the Assistant Bank Manager, XXXX XXXX XXXX # XXXX. She informed me that I had to fill out paper work and have it notarized about the " lost '' check -- and that the Christmas Club check could not be replaced for 90 days or XX/XX/XXXX. I told her this was unacceptable, that THEY sent the check to the wrong address and I needed the money for Christmas. The money was automatically transferred from my checking to the Christmas Club each month - the check in question is for {$1100.00}. She told me policy was 90 days to replace. I asked for the money to be put in my checking account but to no avail. I have the necessary paperwork from TD Bank for a " stop '' on the missing check but with the virus we have to make an appointment with a notary and then fax the copy to the bank and mail the original.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This relates to Wells Fargo Mortgage Account number XXXX On XX/XX/XXXX I wired transferred more than {$340000.00} to an account at Wells Fargo to pay off my mortgage. The person who sent the wire transfer mixed up and put the account number where the loan number was on the form. Apparently, at Wells Fargo, they had another customer with the exact same account number as my mortgage loan number so my money went into their account. 

I never got a notice from Wells Fargo until XXXX saying my loan was not paid off. At that point I had XXXX XXXX XXXX try to recapture the funds. It took until XX/XX/XXXX for me to get my funds back. 

Now Wells Fargo is saying I owe them {$4000.00} for the interest on the loan from XXXX to XXXX ... ..even though they acknowledge that they had my money at their bank for all that time. I think it is outrageous that the wire transfer was not kicked back on the day of the transfer due to the fact that Wells Fargo has the exact same checking account number as my mortgage account number. 

I have had numerous calls with Wells Fargo over this and they refuse to budge. I am hoping that this agency will help me to remove this ridiculous penalty they are demanding I pay.

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 2022-12-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.

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 2020-02-04
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2019, I received a phone call from CB1 Inc., in the conversation they stated that they possessed a debt of mine but have discussed the matter with my ex and she agreed to a payment plan with my ex. I stated that if anything changed to notify me but that my ex had the mail forwarded to her new address. They stated that they would mail everything to my current address even though the mail was being re-directed.

I didn't hear anything ever again from CB1. CB1 maintained contact with my ex ( not the account holder ). They never contacted me ( the account holder ) again even after my ex defaulted on her payment arrangement with CB1.

I found out what was going on by reviewing my credit report. Once I knew what was going on, I sent a debt validation letter and requested for all derogatory marks on my credit report be removed until this could be properly validated and handled. CB1 refused to take appropriate action and to follow the required instructions per the FDCPA. The attorney for CB1 has lied on multiple occasions and has attempted to XXXX me into doing what CB1 wants without CB1 taking appropriate action. 

I have filed a letter disputing the debt but have not received a response.

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