BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2022-08-08
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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 n 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im 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 2022-09-07
Company: EQUIFAX, INC.
State: IN
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 am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I initially joined this company in 2014 and have been pre-approved on multiple occasions for a credit card. Then when I took my time and applied through all documents Im still being denied.I realized this has caused my credit score to drop tremendously and now I also have new inquiries because of it and there are always multiple inquires at once. Im also aware of how in all these years of being with credit karma I have only succeeded once and now I understand why because I was misled by thinking i would get approved and then be effected by negative impact to my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: IL
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 recently filed a complaint with the CFPB, # XXXX in which was closed by Experian after " investigating '' .. Apparently this company has PLENTY of funds to pay towards FCRA violations, penalties and fees because their willful noncompliance and complete disregard for the law shows just that. Maybe I should have included in my previous complaint that I am a XXXX XXXX XXXX XXXX so I'm well aware of my rights and I'm only filing a CFPB report for legal purposes and documentation only, not because I enjoy communicating in which Experian on my free time. 

As you stated in your response to complaint XXXX, you are not required to delete or remove accurate accounts from consumer reports nor keep documents HOWEVER you are REQUIRED to make sure that information YOU receive is being reported accurately by YOUR company. Your company has failed to protect and disregard my consumer rights. For example, according to reports # XXXX, created XX/XX/19 and # XXXX, created XX/XX/19 by your company, you are alleging that you've verified information with XXXX XXXX XXXX XXXX, a charged off account with a recent balance. As we BOTH should know, charged off account reflecting balances OTHER than {$0.00} is inaccurate reporting and must be deleted immediately. I've disputed the accuracy of multiple other items on multiple occasions in which it then becomes your FULL responsibility to investigate them under the law. I will not be attaching any documents for your review, but i will be more than prepared to tender any and all documents I have at court for attorney 's review, shall this matter no be resolved Immediately. I see over {$7000.00} in violations and I'm sure with the help of a professional attorney we could find a lot more. I do hope that you take this much more seriously than you did # 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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status TransUnion says open experience is closed XXXX XXXXXXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open XXXX says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem

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 2021-05-10
Company: Experian Information Solutions Inc.
State: AZ
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:
In XX/XX/2021 I mailed out a dispute to the 3 major credit bureaus on their reporting on a few accounts that are closed.30 days later I have no response nor communication after mailing these letters out thru certified mail.The accounts involved in the dispute are reporting inaccurate payment history information and is hurting my good name and stopping me from advancing as a consumer holding me back from purchasing a new home and i believe such tactics is keeping my score below average.As you know payment history is about 35 percent of a score.The following accounts show errors made to accounts I was never late on and in fact balance was transferred to another account.There area couple violations if not corrected i will have to take actions necessary to correct.Under the FCRA negligence to do a proper investigation.Errors you will see in the attached documents are reporting a 30 day on time and go straight to a 90 day late or 30 day on time ok to 120 days late, one is reporting charge offs other account says on time.. How is that accuarate how is that correct.

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 2021-02-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NJ
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. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Intended for cash out refinance, signed and paid {$1900.00} on XX/XX/XXXX for application fees, appraisal, credit reports etc, also opened a checking account and deposited {$1000.00} as instructed. Loan officer at the branch promised 4 weeks closing time, loan amount was {$370000.00}. 
4 weeks have passed and have not gotten any news or updates, upon checking with the officer I was told there are applications ahead of mine, such as purchasing needs to be taken care of first. Another 2 weeks have passed, upon checking with loan officer I was given the same answer. 2 months have passed, sometimes my inquires gets answered sometimes were ignored. Walk into the branch most of the times there are only 2-4 ppl there , 1-2 on the front. When request to see manager or anyone beside the loan officer there were never anyone available. 3 months have passed I was told the loan officer caught XXXX and my case can not be handled by anyone. Almost 4 months on XX/XX/XXXX finally the bank starting to request bank statements, insurance, Grant deed etc which I Have provided back in XX/XX/XXXX. So none of the documents provided back in XXXX deemed valid. 

They want the wordings on the insurance changed multiple times. Examples are name need to match the one on green card exactly, name on California driver license were considered invalid. Vesting had to change many many times, they want it word by word to match grant deed, the way insurance underwriter put it had 2 words different from the deed and the bank refused to accept. They made request to escrow to include interest rates and terms etc, escrow refused to comply with their requests. 

This was a stated income refinance and bank statements showed the reserve met their requirements, 4 months later they requested statements all over again and reserve amount increased. 

My intention was to take money out and purchase a new home. With their extended delays, excuses after excuses, very poor communication, I wasnt able to achieve my goal, I now have to endure delay in closing escrow, results to a much higher interest rate and higher purchase price. I requested cancellation of the refinance and they refused to refund all my fees except partial appraisal fee. 

At last I requested a release of my appraisal to a different lender, which I agree to pay any fees and they denied, a tiny little help request from a customer whos finance situation got tuned upside down due to their lies and delays, they still refused to help. 

Rumor this bank source their money from XXXX and with XXXX  current mortgage crisis, they just dont have the funds to do mortgage business in U.S. , so they just advertise products and attract customers to pay fees and open accounts with them, never intended to close any application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-02-13
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
The card you send me is incorrect I didn't Unemployment benefits So I don't need it close Day account because I didn't apply for So I think this a fraud By somebody else Usin my name and so security account Oldest is a fraud on my name

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 2022-09-07
Company: Experian Information Solutions 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 act XXXX XXXX XXXX Reference ID # XXXX, has violated my rights. 

XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX Reference Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.C.S 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a 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 2018-02-06
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I I have a checking account US Bank and my account was beached on XX/XX/18. I submitted all the required documentation to US Bank on XX/XX/18. On XX/XX/18 I was informed that I would not be reimbursed for my losses. When US Bank contacted me on XX/XX/18 I verified that I did not make the transactions and still my debit card was in my possession. 
This has created a hardship for me and my family, I have not be able to pay my electric bill and water which is due to be turned out. My landlord is working with for past due rent. Any assistant you can provide will be greatly appreciated. 
I spoke to the supervisor in the Fraud Department XXXX XXXX and was inform to complete another form to continue investigation after been told my case was close. No reason provide why I not being reimbursed form my losses.

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