BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and TransUnion have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are 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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.

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 2019-03-13
Company: Self Lender Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Im writing to you because I noticed that my credit report contains a closed account reported recently for my Selflender/ XXXX account. I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to cancel my subscription. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify. 
I am humbly asking for you to remove this account. I would greatly appreciate it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Mortgage Research Center, LLC
State: TX
Product: Credit reporting 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:
ON XX/XX/2023 WHILE CHECKING MY CREDIT REPORT ON CREDIT KARMA I NOTICED THAT VETERANS UNITED HOME HAD MADE A HARD CREDIT INQUIRY ON MY CREDIT REPORT. THAT WAS TOTALLY UNAUTHORIZED. I ALREADY OWN A HOUSE PURCHASED A HOUSE FINANCED WITH XXXX XXXX I HAVE EXCELLENT CREDIT THIS HARD INQUIRY CAUSED MY CREDIT SCORE TO DROP. PLEASE INVESTIGATE AND REMOVE. I SPOKE WITH XXXX A REP AT VETERAN UNITED HOME XXXX XXXX XXXX HE ADVISED ME TO FILE THIS 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 2023-06-13
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$170.00} XX/XX/2020 15 U.S.C, 1681section 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 an 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 reporting agency 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 2022-07-18
Company: SYNCHRONY FINANCIAL
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:
Ran credit placed credit inquiries on credit reports I didnt apply for credit with company

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 2022-07-18
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I used a promotion for US Bank and opened a business checking account using promotion code. As per the promotion - I was suppose to get {$300.00}. I fulfilled all the terms and conditions. But no {$300.00} cash back was provided even after the terms and conditions fulfilled. I called US Bank today and after being on the phone for XXXX minutes ... I was told some research/investigation needs to be done and then may be cash back bonus will be provided.

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 2019-04-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I did get a message from XXXX XXXX in my voice mail on XX/XX/2019 she says she appreciates all the additional data she got from me on my last long message i sent through on Wells Fargo site and she is going to forward the additional i sent through. 
I told her i went through a lawyer and nothing happened. I told her through lawyer i sent 33 pages the first time, later bank statements, IRS statement ( got no return money. 
The big thing was that XXXX XXXX said nothing could be done as i did not pay the {$1000.00} for 2 months? if i had did that they would have considered a lower payment. He said that is why nothing happened. My lawyer told me not do do that as i did not have the money. 
I was working hard to pay on lights, gas, medicine as i am XXXX. 
I have begged every week or 2 for them to let me start paying ASAP, I have always paid my bills just ran out of money in savings. Still owe over {$10000.00} in credit card debt.I pay min plus om both cards every month.

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 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I applied for Unemployment back in XXXX, due to the pandemic. I was receiving my normal payments through my Bank of America EDD prepaid card. However, in XX/XX/2020, I noticed some fraudulent charges that were made to my account. These charges were made in Florida ( I reside in California ) for the amount of {$3600.00}. I called BOA EDD offices, and filed a claim. I received the amount of {$3600.00} back into my account. However, in XX/XX/2020, I noticed that that money was missing from my account again. I called Bank of America EDD office, and they told me that they came to the conclusion that it was me who made those purchase in Florida, so they had to remove that money from my account. I filed multiple claims after that, I requested copies of the documents that they relied on to make this decision, and I never received anything from them. I sent them letters, my identify theft report, I sent them a copy of the emails the I sent out to XXXX, since the incident happened out there. I have yet not heard back from Bank of America. I have received multiple letters from them stating that " they have completed the review an no error occurred in the instance, the claim has been resolved. '' My claim has not been resolved! I did not make those purchases. I feel like Bank of America is not taken this matter seriously, and it's quite frustrating because I am still depending on that money. 
Thank you for you time and consideration. I really hope you can help me solve this matter

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 2022-07-18
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX tried to double bill us for a bill of {$19.00}. We made numerous phone calls each time giving them the transaction ID number. They pretend to see that the bill is already paid, but still send bills after these calls. 

We sent a hard copy of the payment transaction from our XXXX showing that they received the payment. Now they have sent us to collections for that bill plus interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently changed my checking account to pay for the regular monthly payment to American Express. However, an assailant or a criminal overdrafted a {$130.00} payment from my XXXX account to American Express. They caused me to overdraft the XXXX checking account. I think that someone at American Express, illegally, went online and accepted a payment of almost {$300.00} to ruin my checking account. Basically, they went online at American Express and authorized a large payment so that they would continue to ruin my account at XXXX and American Express. I was supposed to be in a payment plan at American Express and my normal payments would not go over {$40.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been misused and there are now fraudulent accounts reporting on my credit report. There is a credit card that has been maxed, a loan for a vehicle and a bunch of unauthorized inquiries. This is truly hindering and it is making my process to gain personal funding very difficult. This goes against the FCRA guidelines and I need these accounts removed from my credit report as soon as possible. I have submitted proper documentation to verify my identity along with the pdf file of my complaint through the FTC. The report number is # 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 2019-04-15
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have the monthly payment set up on autopay, but they occasionally increase the payment amount by a few dollars. I'll then end up being a few dollars " late '' on my payment, they'll flag my account as delinquent, and charge me a bunch of late fees.

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 2019-03-13
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I was having trouble accessing my funds with XXXX XXXX due to not having received my debit card for over a month. So I was instructed by XXXX to open a XXXX account in order to transfer my funds quickly ( which I did on XX/XX/2019 ). I transferred money to my one of my relatives through XXXX for a few weeks as a means to access my money, while waiting on my debit card. When my debit card still hadn't arrived, I opened an account with XXXX  XXXX XXXX and a secondary XXXX ( XX/XX/2019 ) in order to completely get my money out of XXXX XXXX and XXXX. That same day I successfully transferred the majority of my funds ( {$1200.00} ) from XXXX to XXXX and started the transfer to XXXX XXXX XXXX. On XX/XX/2019 XXXX froze both accounts and cancelled my transfer to XXXX XXXX XXXXXXXX. I spoke to them several times on the phone and they said only their specialist could handle the matter and that I wouldn't be able to speak with them over the phone because they only correspond through email. On XX/XX/XXXX, XXXX   permanently deactivated my account linked to XXXX XXXX XXXXXXXX and sent my funds back to the account linked to XXXX. On XX/XX/2019 I received an email stating that this account was also deactivated. They also stated that they would investigate for up to 180 days and would determine at that time whether they would release any of my funds to me. The specialist ended the email stating that was all the information he would give me about the situation and closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: AMERISAVE MORTGAGE CORPORATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I went to the Amerisave webpage and checked my rate for free. A chat popped up and I said I wanted the offers emailed to me as I didn't have time to be on the phone. They said no and I said ok, I will be looking for another company. about 10 minutes later I got a call from them. I told them I just said I didn't have time for a phone call. He kept pushing and I told him I don't want to use a company that can't take simple instruction and to leave me alone. I told him I would not be using this company. This morning XX/XX/2021 I got an email thanking me for my mortgage application. That never happened! It also said things about my credit report. I most certaintly did not fill out an application and made it clear in writing and verbally I would not be using this company. I also did NOT give permission for any sort of hard credit pull. I want any credit pull wiped and any application they submitted without my approval to be deleted. I also want accountability for breaking federal law in pulling my credit without my permission and for aggressive business practices of submitting an application that I did not fill out or approve of. I also did not make an account and that needs to be deleted as well. They sent a soft credit pull document but when I click it I have to log in. I do not have an account and I can not see what the document says. This must be illegal!

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 2022-08-06
Company: EQUIFAX, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 call XXXX, XXXX and transunion sent certified mail from them to remove unauthorized inquiries

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 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My capital one card was stolen and now i have outstanding balance of {$1000.00} and did not use my card amd need help please let me know how i can fix it becausey credit score is going down extremely low

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Williams & Fudge, 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 status incorrect

Complaint:
Last year I made an agreement with XXXX University and their debt collector to rehabilitate a student loan. I have adhered to all parts of the agreement. Yet this is still showing up on my credit report negatively and in collections. This is unfair and is affecting my life adversely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, there were three unauthorized charges posted to my Citi credit card. 

Each charge was for {$580.00}, for purchases at XXXX XXXX. I did not make these purchases nor authorize anyone else to do so. I contacted Citi and they sent out a new credit card. In a follow-up conversation with their " security '' department, I verbally confirmed that I did not make those purchases nor authorize anyone else to do. 

Citi removed the charges. They then investigated and contacted XXXX XXXX. XXXX XXXX provided information that showed that flights were purchased and used, and in their words, this was not fraud. The passenger on this flight used my credit card, and my street address but their name is not familiar to me. 

Around XX/XX/XXXX, based on the information from XXXX XXXX, Citi again asked me to confirm that " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' I confirmed this, for all three charges. 

Around XX/XX/XXXX, Citi sent me a letter indicating that " the merchant provided documentation confirming that you participated in the transaction '' ( this is not true! ) and that they " found you are responsible for the transaction. '' and " we now consider this investigation closed. '' So despite my repeated declarations that I did not authorize or receive any goods or services from this transaction, the fact that XXXX XXXX has proof that *someone* took a flight from this purchase seems sufficient to override my statements. 

This is ridiculous- if someone steals a credit card and then uses it to purchase goods, how is the fact that goods were purchased proof of anything? Of COURSE someone bought flight tickets and then made use of them - that's the point of stealing something! That someone benefited from the theft doesn't not magically prove the theft didn't happen. And why does Citi not accept the word of their customer, me? I followed their process and they simply override my factual statements? As your site says " If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use. '' Note that there are three separate transactions, all on the same date and for the same amount. My documentation will provide a sample but not all three of them!

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 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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