BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a XXXX XXXX adjustment to my XXXX XXXX loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the XXXX XXXX then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went bank rupt ten yrs ago no credit someone applied for credit in my name finally I got 3 little credits to build my score only to get sick but had ins on it they are closed now however I have some on their from XXXX up to XXXX till today it says that after 7 yrs its to come off 10 yrs if bankrupt its been 11 or 12 on bankruptcy im tryin g to buy a house and its killing it

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 2021-02-16
Company: CITIBANK, N.A.
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:
NTB/CBNA is reporting a charge off that I have not authorized/no knowledge of. I have reported identity theft on numerous occasions, however they are adamant that the report is correct. The credit card was opened on XX/XX/2018 for a balance of {$700.00}. It is currently reporting a charged off balance of {$1000.00}. Due to this inaccurate information my credit profile is impacted negatively!

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 2023-08-11
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am writing to file a complaint against First National Bank of Omaha, the current holder of our mortgage. 

My wife and I were continuously traveling the month of XXXX and early XXXX for business and then vacation. We had received a notice in the mail a couple of months earlier that our mortgage payment would be changing, but I did not recall XXXX was the month. 

I was paying my bills on the road and did not have access to that paperwork. Pure regular mortgage payment had been {$3100.00} and change. Per my usual practice, I sent the payment plus a principle payment in the amount of {$3500.00}. That payment was submitted through XXXX XXXX XXXX on XX/XX/XXXX and was received by FNBO on XX/XX/XXXX. 

This was not enough to cover the updated payment amount of {$3500.00}. FNBO placed the balance in a suspense account and held it. 

On XX/XX/XXXX, while traveling in XXXX, I realized my error and promptly sent {$150.00} to cover the shortfall. I had no way to get the payment to FNBO any faster. That payment arrived to them on XXXX, where it was placed in the suspense account and was finally credited 5 days later on XX/XX/XXXX. 

While still traveling, we noted that FNBO had reported us late to credit bureaus. We have worked very hard over the years to keep our credit clean. 

We had an amazing experience with the lending officer we worked with at FNBO, who told me, XXXX, if you GO with FNBO, you'll never be treated like a number. 

I reached out to the Chief Credit Officer, explaining the mistake, and asking for a goodwill adjustment to our credit report. I was met with a response that FNBO was only following the rules, rules they have no choice in, and could only remove the report if there was a bank error. 

After going round and round with him, I contacted the CEO and asked for his help, He also quoted the rule book to me and claimed their hands were tied. This culminated in a letter I received yesterday stating they could not and would not change their positiinl My research indicates that's the letter of the regulation, but not the spirit of it and that as the reporting entity with the power to decide whether the payment was considered late, they had leeway to make a change in reporting. 

Their attitude was completely unhelpful and they didn't seem to care about the legitimate circumstances that caused the error or my effort to fix it as soon as I realized it, I want them to remove the mark from our credit because it's an unfair reflection of what happened. I seek your help in mediating this situation. 

Kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from my bank of a new account opened under my name with Bank of America on XX/XX/22 I contacted Bank of America to confirm an credit card account was opened. I have no knowledge of this account nor did I authorize a new credit card.

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 2022-04-19
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:
In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 's XXXX, XXXX, XXXX has violated my r

ights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 ofinformation, 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 reportingagency 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I HAVE DISPUTED THESE ITEMS Previously. MY current and only address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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 2022-04-22
Company: EQUIFAX, 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:
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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers : XXXX XXXX LA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2019-06-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX someone used my PayPal account to send 2 transactions minutes apart for XXXX and XXXX to a XXXX XXXX. I stopped all means of payments thru my bank and credit cards as they considered it fraud, this person lives in XXXX XXXX. I contacted PayPal immediately and they said they would investigate and never did, they are now insisting I owe the money. Looking at my account today this XXXX XXXX has not received the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TX
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:
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.

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 2022-04-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 I deposit a XXXX XXXX check in our account through the ATM. The check was for a refund from a money order in the amount of {$480.00} XXXX  # XXXX & {$480.00} MO # XXXX. Total of both checks was {$970.00}. Wells Fargo stated the checks had a stop payment on them and the funds were not collected. My account will close due to fraud on XX/XX/2022. I reached out to XXXX. A female representative repeatedly says the funds were available. I received a copy of the cashed money order showing the funds were paid. I called Wells Fargo again on XX/XX/2022, explaining what XXXX sent me. The representative insisted the checks were fraudulent. Wednesday, I sent copies of the checks to XXXX and asked them to waive the processing fee, because my account was closing due to the checks being fraudulent. I asked a for a XXXX or supervisor to call me or at least email me. I received nothing. I still have outstanding checks that XXXX insisted they couldn't cash due to a stop payment order placed on them. Here are the other XXXX money order numbers XXXX  # XXXX Amt {$500.00}, XXXX  # XXXX Amt {$50.00}, and XXXX Amt XXXX. Please have the fee waived on all XXXX money orders and include {$30.00} additional fee for the previous money order that caused my account to close for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: EQUIFAX, 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 recently had incorrect information removed from all three of my credit reports in XXXX of this year. XXXX, Equifax, and XXXX  all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in XXXX ( a XXXX area ), and I assume it is hers ... as Equifax falsely has the XXXX address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. Equifax never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with XXXX  today. XXXX 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX  and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in XXXX didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: Block, Inc.
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:
I have a Square account that was set up and authorized only to take credit card payments and automatically send the received funds to my business checking. However, without my consent or authorization, Square opened a checking account and issued a debit card, then began depositing our credit transactions into this new, unauthorized checking account. I contacted them and requested a fraud investigation, thinking someone else had done this because there was an unsuccessful account takeover attempt around the same time the unauthorized checking account was opened. However, Square 's investigation indicated that other than the failed account takeover attempt, no fraud occurred including the set up the checking account and issuance of the debit card. I instructed them to close the unauthorized checking account and debit account, and return my account to its former, authorized configuration. They stopped responding and to date continue to use this unauthorized account for our deposits. In short, Square apparently decided to open additional accounts under our existing account and change the terms of our deposit arrangement without our consent or authorization. I believe this is similar to the fraud executed by XXXX XXXX between XXXX and XXXX, where their employees opened new services under existing accounts, without the account holder 's consent, in order to increase their apparent account base.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: WA
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 XXXX 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