BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IS THE 4 TH LETTER I RECEIVED FROM MR COOPER DATED XX/XX/2023, STATING MY APPLICATION FOR TRIAL MODIFICATION DEEMED COMPLETE ON XX/XX/2023. I WAS TOLD 3 TIMES OVER THE PHONE NOTHING ELSE IS NEEDED AND FINAL ANSWER TO MODIFY MY ACCOUNT WILL BE BY XX/XX/2023. OVER 7 MONTHS OF PROVIDING PROFIT & LOSS, BANK STATEMENTS OF {$22000.00} PER MONTH RENTAL INCOME 3 TIMES, 5 MORTGAGE STATEMENTS WITH LETTER OF EXPLANATION THAT I AM A SMALL LANDLORD WITH NO PAY STUBS OR INCOME TAX RETURNS TO PROVIDE. 

DURING XXXX XXXX  NATIONAL DISASTER FOR ABOUT 2 YEARS NO TENANTS PAID RENT AND I COULD NOT EVICT ANYONE FROM MY UNITS. MR COOPER IS INTENTIONALLY PUTTING ME AND MY FAMILY IN HARMS WAY TO FORECLOSE MY PROPERTY EVEN THOUGH I AM IN A BETTER POSITION NEEDING THEM TO HELP ME SAVE MY HOME SINCE I PROVIDED FULL PROOF TO THEM SEVERAL TIMES AND I WIRED THEM {$6500.00} TO PAY OFF MY ESCROW STILL, MY ACCOUNT KEEP CHANGING HANDS ALWAYS A DIFFERENT PERSON EACH TIME REQUESTING DOCUMENTS I ALREADY PROVIDED MAKING MY SITUATION A NIGHTMARE. PLEASE HELP ME. 
REGARDS, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: CA
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 recently reviewed my credit report and found unauthorized inquiries.Sent Experian a certified letter via USPS tracking number XXXX XXXX XXXX XXXX XXXX recieved by Experian on XX/XX/XXXX at XXXX XXXX.I included 15 Unauthorized Inquiries I contacted the 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 Experian DELETE these Unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
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 Experian Responded with a letter explaining hard and soft inquiries etc. ( report # XXXX for XX/XX/XXXX ) NO EVIDENCE of any authorization, nor any permissible purpose was given to me .Strangely enough Report Number XXXX Date generated XX/XX/XXXX Unauthorized inquiries were deleted!

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 2023-09-11
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Emailed tricon since XX/XX/XXXXregarding issues with bathtubs, wasps, roaches, black mold, windows cracking, urine smell in garage no one calling regarding environs notices that they kept threatening us with and we were late one month that XXXX XXXX XXXX paid and mailed the check they then tried to evict us XX/XX/XXXX and XX/XX/XXXX that was closed and then on XX/XX/23when I told them we were not resigning lease we got a knock on the door we had to leave or they would evict us I emailed XXXX and XXXX XXXX got on thei social media pages to try and speak to someone after hours I spoke to XXXX XXXX who said she would def this info that never was sent then 6 months later when we left they told us we owed $ XXXX XXXX where did this come from this is fraud and not one person spoke to us regarding any amount owed they are awful company in communication and they never call what kind of landlord is this ad a tenant we have rights to lucky comfortably and knowing our money is going to maintence when they didnt help I told them we are no longer revering and bam we were forced out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an 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 2021-06-02
Company: VALLEY NATIONAL BANCORP
State: NY
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 accounts don't belong to me. Please remove them from all 3 credit reporting agencies. You can see below the list of the accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft VNB- XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX  and XXXX I was charged high exchange rate fees with no advance warning at the U.S. Bank XXXX branch ATM. In each transaction I requested {$1000.00} and was charged around {$60.00} ( 6 % ). This same ATM used to perform transactions straight in US dollars, while in these last 2 times it chose to do it in the foreign currency behind the international card I was using. It gave no warning what so ever about this choice. 
The branch advised me to call their 24-hour banking number, but neither of them were willing to help with the ATM issue. However the call center did confirm that it was U.S. Bank that charged me those fees. 
I'm looking to be reimbursed for these fees for a total amount of {$120.00}. 
I am not a U.S. Bank customer.

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 2021-12-23
Company: CITIBANK, N.A.
State: NJ
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:
I was a Citi Double Cash cardholder in good standing for several years, and received a promotional offer in the mail in XXXX of 2019 advertising a {$400.00} bonus and and a 0.5 % increase in my cash back bonus ( which was already 2 % as standard ) if I opened a Citi checking account, deposited {$15000.00} within 30 days, and maintained that balance for 60 days after account opening. I did deposit {$15000.00} within 30 days, and I have maintained it to this day. 

When the 60 days passed, I contacted Citi 's credit card and customer service branches trying to figure out why my bonus had not posted and why the cash back percentage was still 2 %. The credit division claimed it was a banking problem. The banking division claimed it was a credit card problem. Finally, after hours on hold, online, and on the phone, someone said the credit card bonus was active, but the website just didn't show it. I had given up the bonus as a loss to a scam until I read on XXXX that it is normal to have to file a CFPB complaint to get Citi to pay out their bonuses ( XXXX : XXXX Citi CFPB ). 

My checking account is still active, as is my double cash 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 monetary relief
Consumer complaint received 2023-04-03
Company: Ray Klein, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has received funding in the estimated amount of {$1500.00} on my behalf from XXXX a program which covers any/all balances on this utility account.I made several calls to XXXX XXXX to have my initial Deposit of {$180.00} returned to me in a check within XXXX business days after closing the Account back on XXXX XXXX. I was told I will receive this check in the mail which I also updated the new mailing address after waiting the allotted time no check was mailed to my current. I called XXXX XXXX and was told by another representative that they are sorry for the inconvenience and miscommunication but my initial security deposit 0f {$180.00} was applied to the final bill balance and any of the remaining money that was funded in the amount of {$180.00} of my deposit will be refunded back to the XXXX XXXX XXXX. I then called the direct agency to verify I gave no balance owed to XXXX XXXX. on my behalf and if that was the correct procedure to have any remaining allowed funding per participant returned back to them I then get an alert on my XXXX Credit Report notifying me that this is a debt that is owed to XXXX XXXX and its been given to PROFESSIONAL CREDIT XXXX XXXX XXXX XXXX, OR XXXX to collect the alleged debt amount of {$320.00} this is unfair inaccurate information reported on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: ID Analytics, Inc.
State: MI
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:
I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit bureaus and they came back stating that they have verified this account with you. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received the following emails from Bank of America : XXXX Verify your email address XXXX Online application in process XXXX Your application was approved XXXX Welcome to Online and Mobile banking XXXX Your email address was updated I noticed these emails at approximately XXXX ( an hour after they had been sent ). I do have an account with Bank of America, but did not attempt to open a new account. I immediately called Bank of America and they did see a new account was opened using my social security number. They froze the account and will be closing it. I believe I was only notified about this because I have an account there already, so someone pretending to be me would automatically have their confirmation emails sent directly to me instead of a new address.

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 2023-06-21
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:
As of XXXX XXXX. It had been brought to my attention that someone had not only pulled my credit with a company called XXXX XXXX they also have opened a fraudulent account that I have not authorized that was opened on XXXX XXXX. I did not give any permission for an account to be opened under my name this is so stressful and scary. The account name is XXXX XXXX and it was opened on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive been disputing a XXXX  XXXX XXXX account on my credit reports. Today I received this letter from them which I am uploading and submitting attached to the letter is my response I am sending back to them. This account was opened well over 7 years ago. I paid off what I had charged back then. Shortly after that fraud was on the account I reported it immediately. This has been going on for over 7 years now and having this negative incorrect information on my credit reports is affecting my credit score.

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 2023-06-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXXl {$23000.00}. 60-89 dates late but have been on payment plan but being recorded like not receiving a payment. 

XXXX XXXX XXXX {$1300.00} evrything shipped to wrong address and services was not as advertised. 

XXXXXXXX XXXX XXXX {$750.00} should not be on my credit i have been waiting to understand why i have this on my credit. 

XXXX. {$340.00}. The payment was mailed off over a year ago. 
all hard inquiries. have not given premission to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-05-18
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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