BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX 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  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 2021-02-17
Company: EQUIFAX, INC.
State: NJ
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:
The current credit bureau hasnt verified any debts they claim I owe and its been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-06-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with Carrington Mortgage it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ive submitted a complaint to the both Becu and XXXX and XXXX XXXX already. I have gotten no answer as to where my money has gone, I sent my fianc money 2  weeks ago and after he received it to pay our rent, the bank said it was fraudulent. I cleared this fraudulent problem on my end of my bank side is BECU. His bank XXXX XXXX says they sent the money back and refunded it to XXXX. BECU says they cant do anything else except wait for XXXX. Its been a week now and no one has gotten anything done to give us our money back. XXXX was recommended for me to use by a BECU agent to make a transfer. Now my money is lost, my husband has a negative account because he needed the money I sent him to pay rent and when he tried to pay it with the XXXX dollars I sent they took it out his account so the check bounced. someone in the bank canceled my transaction without giving the money to me or him. I have bills to pay tomorrow, and no food in my fridge. His account is overdrawn XXXX because the apartment took the rent out from his bank and not with his money. Now we have overdraft fees and late rental fees thanks to this hold up between banks I have no food or money to pay my bills this week either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal Account : XXXX Name : XXXX XXXX For no apparent reason, Paypal locked my account for up to 180 days. I called several times to release the balance of {$1600.00}, but the customer service could not help at all. PayPal transfers out the balance of {$1600.00} for " paypal 's damages caused by acceptable use policy violation '' without notifying me before the 180-day period expires. This is a ridiculous and scammy activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was called by a robophone saying there were my discover card, then transfer to a human and I qualify for Lower interest rate, they gave me information about 3 of my credit card number, so I proceeded to go with the loan deal they offer me, I then gave them my information, they seem to have quite a bit of numbers, ect, like my first 6 numbers my ssi number and also my address, they said that my cost was going to be XXXX, which was less than I pat in interest fees, so they ran my credit, which showed up on my credit report from my bank.they tried to run my discover card for the XXXX but I keep all my credit cards frozen until I need to use them.i then realize after i XXXX fraud that this might be a scam. i then reach out to them and they said my application for a debt consolidation was denied, but they were going to try another company. I then told them I was no longer interested, they told me it was to late and they were going to keep trying to get a loan for me, here is some of the names and numbers they gave me, customers card services XXXX XXXX, employee # XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: IL
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:
I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1975, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Recently Nevada unemployment changed their prepaid debit card provider to way2go card provided by XXXX XXXX and I've had nothing but problems with it.

1. They state that you can withdrawal from any XXXX or XXXX ATM fee free but several ATMS I've tried on their list all say I'll be charged by both the ATM and way2go.

2. It says that you can get cash back at the store also fee free but it either doesn't give you that option when checking out or they charge you to get cash back.

3. You can't pay any legitimate bills with this card even though there's sufficient funds to cover what I'm paying. I've tried paying for my car payment and a loan payment I have but it won't take this card.

4. You can't get through to anyone when you call the numbers provided. I've called several times and each time I'm on hold for hours and no one ever answers. I have no idea why Nevada chose to go with this prepaid card instead of allowing direct deposit like every other state.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


XXXX : Number Mortgages XXXX Score XXXX XX/XX/2022 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 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
During mid XX/XX/XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, XXXX & TransUnion. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed.

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files.

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX  Chapter XXXX  bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX  : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX : Account # XXXX  Amount : {$1100.00} TRANSUNION Chapter XXXX   Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX  Amount : {$410.00} XXXX XXXX  : Account # :XXXX  Amount : {$1100.00}

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 2023-11-30
Company: EQUIFAX, 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 have notified the three credit bureaus of unathorized accounts on my credit reoort and they still havent removed them. I have sent identity theft reports along with identifying documentation. I know they have a specific time frame to respond back and they haven't responded yet i want these accounts removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: 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 XXXXtransunion has me at a score around XXXX. 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 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 XXXX XXXX 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 2023-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 chase bank had closed my account due to fraud checks that were deposited in my account. The checks were officially seal checks from the controllers office because I am an XXXX XXXX XXXX XXXX XXXX XX/XX/2023 they were supposed to send a check with {$3000.00} from the account they closed but never did. They mentioned that they needed to verify that the checks were real and then they would release that hold and send over my money. Its been 2 months now and they still will not release that money to me. I have called multiple times and given them numbers from the controllers office to verify those checks and they claim they are not a business number. They still refuse to help me to get my money back to me. It is now XX/XX/2023 and they are still refusing even when I gave them numbers to call to verify those checks. This has been going on for too long and I just dont know what to do or my next step to get my funds back. They are still claiming that they can not get a hold of the state office or the number I have them is not a registered business number. I just want to get my hard work money back so I can pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have violated my rights. 

In accordance with the fair Credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX have violated my rights. 

In accordance with the fair Credit reporting act XXXX Account # : XXXX 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 : it also states a consumer reporting agency can not furnish an account without my written instruction or consent.

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: SC
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:
In accordance with the fair credit Reporting Act Transunion is violating my rights I have tried to reason with them to remove the following inquiries removed according to the law Section 604 XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-11-29
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is concerning an estate account held with XXXX XXXX that had a CD invested with Goldman Sachs. 
The estate account was created in XX/XX/ ( from a longstanding individual account at XXXX XXXX ) and Goldman Sachs wouldnt redeem the CD to the beneficiaries until just a day ago, XXXX XXXXXXXX  The other banks CDs were redeemed at the end of XXXX. 
XXXX XXXX said they had no recourse or contact information for Goldman Sachs. I tried various contact numbers directly with Goldman Sachs to no avail. 
I believe Goldman Sachs was intentionally delaying the redemption given the CD was at a low rate, 2.25 %, while current CD rates are around 5 %, so to their economic advantage at the expense of the estates beneficiaries. 
Are there any timing regulations for redeeming estate account CDs by the banks? How can there be no transparency on the process when inquiries are repeatedly made? What recourse should there be? 
This complaint is to bring to your attention the unacceptable practice by Goldman Sachs as well as XXXX XXXX indicating they had no recourse.

Company response to consumer: Closed with explanation