BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 without 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 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 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment to my Military Star card on XX/XX/22 at XXXX XXXX. The credit card company did not record my payment for the XXXX instead recording it was made on the XXXX because of a time zone difference. I did not read anything in my disclosures that states I must make my payments based on a different time zone. My payment was considered late by my credit card company and I was charged an automatic fee that was added to my payment. This added fee resulted in my checking account being overdrawn and I was charged another fee by my bank. I would like these fees to be reversed and I would like to continue making regular payments. Thank you. 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 2020-04-27
Company: EQUIFAX, 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:
XXXX  XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I sent out certified and notarized written correspondence to Transunion demanding that they remove all accounts that were illegally reporting and all accounts that were not consistent with the same accounts listed with other credit reporting agencies. Transunion has failed to remove these items and continues to report this wrong and illegal information. It is the discretion of the consumer to what should be reported on the consumer report and Transunion fails to comply with my requests. I have sent in print outs of all 3 consumer reports highlighting the accounts that were inconsistent and none have yet to be cleared. I have attached a copy of my XXXX consumer report showing that XXXX has complied and deleted the requested accounts.

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 2021-05-04
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I chose Better.com because they beat out another company on the loan estimate and they had overall better reviews. 

Since locking in the rate and paying the company {$150.00}, both my APR and MPI have increased significantly. Over the last 2 weeks the loan estimate changed twice in both these areas.

The APR went up 0.2 % and the {$140.00} per month on a $ XXXX loan. Therefore, creating an increase of {$300.00} more on my monthly mortgage payment. To say the least Im angry, frustrated and very concerned. I budget my expenses and try to live below my monthly income. However, what I find most interesting the closing costs keep decreasing. To keep me off track of my monthly payment increasing. 

I questioned Better.com and asked for an explanation. I received an answer regarding the PMI from XXXX PMI is affected by a number of factors such as XXXX, XXXX, XXXX XXXX, appraised value, and if any of these changes once your loan is in processing, your PMI quote can change. 
I went over this with my lead and it's very hard to say what exactly is causing PMI to increase as there are a number of factors that can affect this. 
We do work with a few different vendors and our system will automatically choose the PMI with best pricing. 
We won't have the settled amount until we reach the closing stage. 
If another lender is able to give you a number that would not change, I would completely understand if you would rather proceed with them. 
We want your business but in the end we want what works best for you as well. 

The appraisal has not been completed and Im 2 weeks away from closing. Can you please help and guide me?

I have also learned Better.com ONLY uses income as a determining factor for the loan and debt ratios. Therefore stocks and 401Ks do not play a huge part in the overall picture of the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

XXXX is a financial entity acting as an extension of a government entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Claim Number : XXXX Bank of America is intentionally filing my claims incorrectly to not have to credit me for fraudulent transactions. 

They are also reporting that I lost my card, which I did not ( I did not have my wallet on me at the time of reporting the fraud but it wasn't lost or stolen. ) Someone either took a picture of my card, or picked it up to make the fraudulent transaction and immediately placed it back down. 

I never order anything from the merchant in the dispute, they called me and asked me if I purchased the merchandise, I said no and they hung up ... oddly enough they never credit the money back to my bank. 

Bank of America was notified, and repeatedly reported the incorrect information several times in attempt to not approve the claim. The transaction was never verified by myself and I need my money back!

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 2021-02-05
Company: DISCOVER BANK
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:
Last month I sent XXXX  XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover  pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX  likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: PNC Bank N.A.
State: FL
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:
My PNC Bank credit card was compromised and my card balance is pretty much maxed out! PNC advertises a zero fraud liability, I am disputing all transactions on my account with the exception of the XXXX Office transaction for {$27.00} on XX/XX/20. 

All transactions made after the XXXX Office transaction for {$27.00} on XX/XX/20 are fraudulent. 

I have tried to contact my bank several times, but I can't get through to anyone because the automated voice system requires me to know my full 16 digit credit card number in order to file a claim! 

My phone and wallet with my photo ID and social security card were also stolen around the time my credit account was compromised, I am only becoming aware of the transactions today because my phone was stolen and I have paperless notifications about my account. 

This is so unfair! If someone has been calling in to verify these transactions, it is not me! They are fooling PNC to believe that they person with me card is me, and leaving me to pay the balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
So I went to apply for residency at some townhomes at that point I was denied occupancy due to the fact of some information on my consumer report so when I called in the have the information sent out to me it showed I had a judgement placed on me back in XX/XX/2013 for XXXX for XXXX XXXX XXXX  with inaccurate information which I feel I should not be liable for anything due to the inaccurate information that was placed on my report so when I was finally was able to get in touch with the complex to see what the issue was I received a copy of my rental history from them and the information was alot different from what which was placed on my consumer report and when I advised of the information I was referred to a debt collection agent called pro collect I feel like this was a fraudulent case on my report and on my behalf it has caused me alot of denials and anguish for certain things and issues I would like to have this issue resolved and dismissed if possible I have both copies of the letters if needed to be verified also there are spellings of names on my consumer report that is not me I also summited a 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 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America and XXXXXXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Kindly adjust my credit report and swiftly eliminate the public record currently shown. I've provided the essential documents to back up my request. I appreciate your immediate action on this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Around XX/XX/2014, an unauthorized transaction was made using my Macy 's credit card without my knowledge. Because I was not aware of the occurrence of that transaction, I was under the impression that card balance was {$0.00} and didn't make the payment at the end of billing cycle. After few months this resulted in a charge off. I only realized this when I got the call from collection agency to which credit card company deferred. 
Since 2014, I requested the credit card company many times to consider that transaction as fraudulent transaction and remove the charge off from my credit report. I also paid off the full balance - original transaction amount + interest to the collection agency. Credit card company is refusing the consider the transaction as fraudulent transaction and remove the charge off from credit report. 
My credit score is negatively impacted because of charge off. It is very unfair that credit card company is not accepting a fraud transaction as fraud transaction and unwilling to remove charge off from the 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 monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) XXXX and Transunion said everything was complete and accurate and I asked them how if the balance is wrong? XXXX is reporting a balance of {$3400.00} and Transunion is reporting a balance of {$3400.00}. 

Also, XXXX is reporting the account as open when it is a collection account. Collection accounts from debt buyers can not be open. 

Then I asked them to provide me with a description of the investigation in accordance with 15 USC 1681i ( 7 ) and they never did. I have proof via the previous dispute that was filed through the CFPB to the credit reporting agency.

Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation. This is causing me stress because I have no hope in this credit reporting system. 
Failure to comply will force me to pursue actual damages against the credit reporting agencies. I have proof of these damages and will seek legal counsel if necessary.

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 2021-03-30
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please refer to Complaint : XXXX. The Company 's response was that they could not communicate with me and provide the information requested or respond to a Qualified Written Request. In fact, the Bankruptcy Case was DISCHARGED on XX/XX/XXXX. The authorized agent for the Creditor filed their Response to Notice of Final Cure Payment on XX/XX/XXXX and the Order Deeming Mortgage Current was filed on XX/XX/XXXX. The attached documents confirm to the US Bankruptcy Court that the Mortgage is current and stipulate a mortgage payment due on XX/XX/XXXX of {$1000.00}. Subsequent to XX/XX/XXXX, XXXX XXXX sent a Notice XXXX Mortgage Payment Change increasing the payment due by approximately {$350.00} per month. 
BSI has denied me access to their web site to pay my mortgage, but have accepted payment by phone. The staff for BSI have said they need a letter from my lawyer.

Company response to consumer: Closed with explanation