BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that TWO FRAUDULENT INQUIRIES that had been made on XX/XX/XXXX and XX/XX/XXXX are still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiries and asked them to remove their credit inquiries from my credit profile. According to XXXX  XXXX XXXX, they can not see the inquiries and so they can not remove something that isnt there. In addition to this, XXXX XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiries were ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) inquiries on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although an inquiry is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiries were FRAUDULENT. 
If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that these inquiries were not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: DISCOVER BANK
State: KS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I decided to use the chat service in Discover cards app because I needed to dispute a transaction from the week earlier. The first rep seemed like they were disputing it for me there was around 20 mins of nothing in the chat. She then comes back says they treat chats like emails and get back to who they want when they want and she wasn't going to dispute my transaction because it was a service. I pointed out the difference between a service and merchandise and asked for a manager. A manger did not text back for 8 hours and said they were not going to dispute my transaction and I had to go back to the merchant that already did not help. I pointed out on their own credit card resource page it says the FTC requires disputes in certain cases and I have disputed such things before with them since I've had the card for almost 15 years and was successful. She said she would not dispute my transaction from XX/XX/2019 because she determined it not to be in my favor personally. As I understand disputes are required to go through a process where they are clearly documented. I do believe this is a violation of consumer protection laws and needs to be investigated. I know interest rates are dropping on credit cards and in turn making their profits slimmer but taking away consumer protections is not the way to do get bigger profits. I have attached screen shots of the chat where the representative and the manager refused to file my dispute for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with XXXX XXXX in XXXX of 2018. My loan got transferred to AmeriHome. I have yet to receive any communications from AmeriHome about my loan number and where to send payments. Customer serve rice is hideous ... hour of waiting on Holden or you get disconnected. I have also sent emails about address of where to send payments with no response. Horrible company with bad reviews all over the Internet about poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently started receiving marketing from Wells Fargo and its affiliates. This is odd because I opted out of marketing and other non-essential information sharing when the account was originally set up in XX/XX/2016. It appears that Wells Fargo recently changed my opt out preferences without my consent to show that I did not opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I wasn't aware that my credit wasn't frozen until I had to apply for some credit and then unfreeze my credit. Several times I checked and it keep saying not frozen and company 's were able to check my credit without me having to unfreeze it. I went some years thinking that my credit was frozen and it wasn't. If company 's are able to check without me saying it, how many people have used or able to get into my account without me knowing. I don't feel safe anymore.

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 2023-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Late Date XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i opened a checking account with Citibank to take advantage of a promotion that said if you open an account with {$15000.00} and leave it there for 60 days, you would get {$400.00}. i completed the requirement and was told repeatedly that i qualified for the bonus ( i am enclosing one of those confirmations in the files i am enclosing ) .now im being told since the savings acct was indication closed that i dont qualify. 
i was told numerous times that i did qualify. i feel the bank is acting in extremely bad faith. i am sending the transcript and a screenshot of my account. This is grossly misleading on the part of Citibank.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 20 U.S. Code 1232g - Family educational and privacy rights : it states it protects your privacy by restricting the disclosure of personally identifiable information without your consent. This extends to financial information related to your student loans. Institutions must generally obtain your written consent before sharing specific details about your XXXX XXXX or XXXX loan status with third parties. In addition to this policy, XXXX has obtained my information without my consent and is not basing my right to XXXX due to the amounts they are starting I owe. I did not give any consent for XXXX to obtain any of my student loan records nor did I give consent for XXXX to contact me regarding any finances or my student records. They do not have my signature for any loans XXXX states I woe to them or any documents that I have 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: GVA Holdings, LLC
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with XXXX had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from XXXX and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told XXXX had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

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 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 XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : 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 non-monetary relief
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( XXXX  ) inquiry was made on XX/XX/XXXX ( XXXX ) 4 inquiries from XXXX card alone! 

XXXX/XXXX  XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( Transunion ) XXXX  - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
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:
1.In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
3.In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
12. In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
13. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
14. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-10-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive requested information on enabling auto payments. The company claims that limits need to be at a set amount. The company alerts and communication options via email do not work. The company sends disparaging and harassing messages to the school about my minor child.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Self Financial Inc.
State: SC
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:
I originally had two accounts opened with self credit builder. One was a secured loan that I was paying into and eventually got a secured card. Everything is paid off and its still showing a negative items on my credit report

Company response to consumer: Closed with explanation