BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
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: Account information incorrect

Complaint:
Trans Union is refusing to remove two revolving accounts that have reached their Statute of Limitations. 
XXXX  and XXXX are no longer by law in NYS to proceed with collections regarding these accounts. There is nothing that the consumer is able to do other than file a court document vacating the two accounts from Trans Union. These accounts are no longer legally enforceable. I have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired.

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 2020-06-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD TIME notifying yall about these fraudulent acounts on my credit. The FIRST time i was accused of using a credit repair company. I cant even afford a credit repair service. I was accused of using credit repair the SECOND time, now the THIRD time yall said these are my accounts. HOW could these be my acounts when i have NEVER benefited from. I am victim of identiyy theft and i feel like im being further victimized by being accused of actually owning these accounts. I really dont know what yall want me to do, the only logical thing would be a law suit..

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 2023-02-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting on my report and i believe that it is reporting fraudulently and need open account removed.

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 2021-07-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I recently discovered that the default settings on VENMO makes all transactions public. I received a payment from a friend and clicked on his name. I saw his transactions, dates, to whom, and his notes ( not amounts ). We are both sophisticated financial professionals and never would have thought or consented to this disclosure. They should make the default private. There is no valid reason for them to be so dishonest and disclose anyone 's transactions with anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an insurance policy with progressive that was on a prepayment system. I cancelled this policy before the start of the next billing cycle however I was billed for an additional month. I was able to settle this with progressive however a debt collection agency began reporting this as a past due debt. I tried disputing this with the debt collection agency however they didn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to make a cash deposit of XXXX to XXXX XXXX XXXX  ( who I bank with ) on XX/XX/XXXX however the ATM was out of service. I had made withdrawals at US Bank ( who I do not bank with ) before because the ATM was under the XXXX XXXX XXXX, so I assumed I could also make deposits. I made the cash deposit at US Bank instead at and received a recepit. Over the next few days, the deposit was never credited to my account. I assumed it would take a few business days so I waited. On XX/XX/XXXX, I called US Bank customer service and was told I needed to contact my own financial institution since I was not a customer there so XXXX XXXX Bank would need to start a claim with them. I contacted XXXX XXXX Bank on XX/XX/XXXX and was told they could not do anything, it was US Bank who would have to return my money from the ATM as it was their issue. I went in person to a US Bank branch on XX/XX/XXXX and the customer service representative told me they were not responsible because I was not a customer of theirs, that it would have to be my bank that would need to fix the issue. I went in person to my bank on XX/XX/XXXX and was told they would contact US Bank to try to resolve the issue. It is now XX/XX/XXXX and neither institution has fixed the problem. I just want the funds. US Bank has been extremely unprofessional. They have tried to get rid of me at every turn, simply because I am not a customer of theirs. I understand I made a mistake and I own that, but I have proof I made the deposit and they could simply verifiy with my bank that the funds were never desposited. Instead, they simply brush me off and tell me they 'ca n't do anything '. Why try to steal my money? It's just XXXX. If they are stealing that little from me I don't want to know how much they are stealing from other people!

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

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 2021-07-20
Company: MoneyLion Inc.
State: OH
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:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX  XXXX # XXXX ( PIF ) -XXXX XXXX XXXX XXXX # XXXX XXXXMONEYLION INC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent 3 letters to the credit bureaus : XXXX, XXXX  and Experian bur they don't update the informations on my credit report, and don't remove things that I already paid.

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 2020-06-26
Company: PNC Bank N.A.
State: NC
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:
The XXXX  app is not connecting to my Pnc bank  account card for some reason it says that Pnc isnt allowing my account to link to other accounts thats whats going on. Its not letting me cash out any money from the app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX  XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: EQUIFAX, INC.
State: TX
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:
For about 3.5 months I have been trying to get incorrect items validated or removed from my account that are reported by the 3 bureaus. I have sent multiple letters only to get that the accounts have been verified and are to remain. They are updating my credit report multiple times per week with these accounts with different dates, as if to cause me to be ruined for questioning such. This is unlawful and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a mortgage with BBVA Compass and, in XXXX, the Escrow amount was changed. Due to the COVID lockdown, I did not receive notice of this change in a timely fashion because we were unexpectedly stuck in New Mexico and were not receiving mail from our California home. The monthly mortgage went out, as it did monthly, on XX/XX/2020 and, unbeknownst to me, was reversed on XX/XX/2020. I received NO notice of this reversal and it was subsequently reported as a " late '' payment. This very adversely affected my credit rating and has ultimately precluded us from refinancing our primary mortgage. The fact is, the payment was made ON TIME but was short due to the change in the escrow amount. This has caused a FALSE reporting to all of the credit agencies, causing a huge drop in my credit score ( which prior to this was above 800 ) and affecting the rates we are offered for refinancing. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied and approved for a bank statement loan to refinance my home. They approved the loan locked the rate at 3 % for a XXXX XXXX. and got an appraisal. On Friday, they told me that I will get the closing date, that never happened, instead, on Monday they called me to tell me that they had an issue in the system and they had mistakenly gave me the rate for conventional loan, for which I cant currently qualify. If I want to proceed, the rate will be 4 %. 

This is a classic bait and switch, and flat out scam. I have documentation to support this. 

Im asking you to suspend their license so that they cant harm other people. 

Thanks R

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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:
I'm a victim of identity theft, in which I've contacted the Transunion and XXXX   of such, but the bureaus failed to block the charged off XXXX/XXXX  XXXX account under 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days XXXX XXXX # XXXX Please see attached copy

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 2019-09-16
Company: JPMORGAN CHASE & CO.
State: AL
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 used a link provided by chase to apply for a Chase United Club card. This included a " Welcome Offer '' of 50,000 airline miles after spending {$3000.00} on the card in the first 3 months. After I received the card, spent {$3000.00}, and paid the bill, I was told I did not qualify for the welcome offer. I tried to resolve with Chase, but was told I do not qualify, however, they could not tell me why I did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, BANK OF AMERICA let a fraudulent {$120.00} charge from XXXX XXXX XXXX XXXX XXXX, NJ ( reported by XXXX XXXX XXXX as having been labeled suspicious 50 times ) slip through on to my Visa account. Before I was even aware of it, BOA placed my account on hold and sent me a new card number, because they knew it was fraudulent. When I followed up with a fraud claim, they changed their story and denied it. I paid off all the legitimate charges, while the balance at issue started to grow because of interest and late fees. Through my credit union, I was able to claw back an Automated Clearing House  payment and permanently bar BOA from collecting any more. On XX/XX/XXXX, I sent BOA a certified letter threatening legal action unless they cancelled the charges and closed my account. XX/XX/XXXX and XXXX, they sent replies assuring me that both had happened. Yet they sent me an XX/XX/XXXX statement showing a supposed remaining balance, and my credit rating has taken a hit because BOA is now an adverse account. You want a fight, BOA? You got one!

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 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-CAPITAL ONE # XXXX ( XXXX  ) XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a mortgage from Land Home Financial XX/XX/2008 XXXX with loan number XXXX. According to the information the gentlemen gave me they transferred the servicing to XXXX XXXX XXXX on XX/XX/2008. It has since been transferred to XXXX, XXXX and now XXXX. I called Home Land Financial to ask why I do not see a satisfaction of mortgage since it was sold, and was told it wasnt their job it was XXXX XXXX job since they were the servicer as of XX/XX/2008. I called the number Home Land Financial gave me and it is for XXXX and the gentlemen stated that was all the information he could give me. I want to know why a satisfaction of mortgage has not been recorded on this loan since it has now been transferred that I know of 4 different times.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, Experian, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau.

- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and ExperianXXXX XXXX, and XXXX correct and remove this inaccurate info from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: WY
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation