BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this as a formal complaint against TransUnion for not investigating and removing the errors and inaccuracies from my credit report. Transunion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law 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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN XX/XX/XXXX {$4300.00} XXXX XXXX OPEN XX/XX/XXXX {$260.00} XXXX  XXXX OPEN XX/XX/XXXX {$660.00} XXXX  XXXX   OPENS XX/XX/XXXX {$1000.00} XXXX XXXX  SELF OPEN XX/XX/XXXX {$1000.00} XXXX  XXXX OPEN XX/XX/XXXX {$1300.00}

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 2017-07-06
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today I received a letter from my supervisor at work that I had a personal phone call from this XXXX from Pioneer Credit Recovery. I was extremely upset and embarrassed!! I have never not once heard of this company and certainly have not received anything via US Mail that I owe a debt to them. What are they doing calling me at work > Is n't this a violation? How can they just start harassing me at work when I have yet to receive anything documenting this supposed debt >?

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 2022-10-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
We purchased American Express Gift cards close to {$60000.00} worth as gifts. We learned from some of the recipients that Gift cards had zero balances when they went to use them for the first time. We went through the ones we had left and Yes, they were correct they all had ZERO balances, used all over mostly in XXXX, Arizona, Washington XXXX. 
These were all sealed Gift Cards opened for the first time with Fraud activities on them. 
We have been trying to contact AMEX between the Gift card company and AMEX cards we have been getting the run around for over a year now. We contacted XXXX  and they could not get a resolution saying they are hard to communicate with. They said we sent you a letter stating we found fraud on cards and we sent you a refund check. Completely not true since we never received any refunds from them. I had gone on AMEX gift card review page online and could not believe what I was reading that this is happening to everyone. How they are getting away with this FRAUD blows our mind. This is a huge amount of money and something needs to be done please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: MoneyLion Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received an unsolicited debit card in the mail, indicating that I had somehow signed up for a product. It's similar to the activation that you would receive when your main bank sends a replacement or new debit/credit card. It included a working debit card, with an account number assigned, despite no I formation being given to them by me. It includes an account number, routing number, expiration date, security code, and my name printed on the card along with a chip and MasterCard logo. A quick search found that others have received this deciptive marketing practice and we're concerned about identity theft. All sources told me to quickly file with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been trying to get in contact with this company to resolve this issue as to why they shut down my account and they will not get in contact with me. The information as to why they shut down my account is inaccurate and I need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2019-03-28
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: Account information incorrect

Complaint:
My overall complaint is with Transunion. To begin they charge a membership fee and they do not provide up-to-date or accurate information Additionally, they do not preform the credit check rather rely on updates and changes from XXXX. For the past 2 months. I have tracked and monitored my reports very closely. Transunion is the ONLY company who does NOT keep current nor accurate information. My credit accounts are too high as I have decreased the balances to less than 27 %. The collections are paid off and Transunion does not report the current status nor delete the account once paid. 

I am very unclear the reason to have 3 credit reporting agencies when only one is actually utilized by the majority of the country. XXXX needs to update their system or change their practices. At the moment, they are failing

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-08-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account with Wells Fargo. I was denied the opportunity to open an account without reason. The bank provided a letter in the mail dated XX/XX/23 stating " We've finished researching your identity theft claim regarding account ending in XXXX. Our research indicated the account was applied for by your or someone who had your permission ''. This company has not provided any findings or PROOF that an investigation/ or research was actually conducted, besides this letter. I have reported identity theft to the credit bureaus as I have been experiencing the same issues with other accounts. I am only XXXX XXXX XXXX and I believe that someone has fraudulently used my social to obtain accounts that I was not present nor aware of. There is no way for me to verify I was provided a fair and equitable inquiry into my identity theft claim and therefore there is no basis to not allowing to open an account.

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 2019-07-26
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting incorrectly a collection of ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have continually asked for validation ( not verification ) of a legally binding contract with a signature which states business between myself and this LVNV which has yet To be produced. Old billing statements are not sources of verification. I am asking for the 3rd time for the contract between myself and LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In brief, BSI Financial has failed to make property tax payments due from the mortgage escrow account it manages on my behalf. 

BSI acquired my mortage from the initial issuer with effect XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I provided them with documentation of our homeowners insurance policy and property tax obligations and asked for confirmation that they would make scheduled payments from the escrow account they manage. I did not receive a written response after multiple follow-ups ( see email thread attached ), so called and was told verbally that the next payment, a property tax payment due to XXXX XXXX County no later than XXXX XX/XX/XXXX, would go out on that date. 

BSI did not make this payment, as a result of which XXXX XXXX County assessed a 10 % penalty fee. I confirmed with BSI that they had failed to make the payment and was given verbal assurances that they would make it immediately and cover the penalty fee themselves. Two weeks passed without any response to my request for confirmation that they had done so. On XXXX XX/XX/XXXX a BSI representative stated in writing that they had issued payment to XXXX XXXX County on XXXX XXXX for the tax due, including the 10 % payment which they covered as a separate check. I confirmed through BSI 's web portal that my escrow account had been debited by amount of the original ( pre-penalty ) tax obligation. As of today, XXXX XX/XX/XXXX, my property tax payment including the overdue penalty is still outstanding according to XXXX XXXX County. 

As things stand today, BSI has thus debited my escrow account but failed to pay the property tax due or the overdue penalty incurred as a result of its failure to perform. BSI 's representative has also ignored my repeated requests for a written acknowledgment of the history of this interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Colony Brands, Inc.
State: CT
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 received a notification on my credit score that I had missed a payment of {$27.00} to some company and it dropped my credit score dramatically. I found the company and made payment ( it was {$27.00} ). After making payment I looked in to what it was. Turns out I never ordered or received what they said. I never opened this account. After the incident I filed a police report and put a lock on my credit score. I would like this removed because it shows on my credit as 4 missed payments. This is not right. This is affecting my ability to get a mortgage. I would like the 4 missed payments removed. I just want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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:
I disputed 2 accounts that does not belong to me, XXXX XXXX XXXX and XXXX XXXX XXXX, on my Equifax Credit Report on XXXX/XXXX/2121, XX/XX/2021, and XX/XX/2021. Equifax received my all my disputes, and to date ( XX/XX/2021 ) have not removed my request for this incorrect account to be deleted. I contacted both companies, and XXXX XXXX XXXX never sent me any Debt Validation notices nor XXXX responded to my diapute, so how is Equifax affirming that this false debt has been verified by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, which via a CFPB complaint on XX/XX/2021 responded on XX/XX/2021 and stated this : Company 's Response " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that we previously received Mr. XXXX requests for validation in XX/XX/2021, and although the account was long past the validation period provided under the Fair Debt Collection Practices Act, we immediately placed the account on hold requested validation of account from our creditor-client. Because we had still not received the documentation from our creditor-client when the time frame for a response under the Fair Credit Reporting Act expired, so the account was closed with our office and the Credit Reporting XXXX XXXX CRA ) were instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and recommend giving them at least thirty ( 30 ) days to update their records. Although we have since received the documentation from our client that supports that Ms. XXXX owes the debt, the account will remain closed with our office. We trust this resolved your concerns. '' Equifax is in violation of my rights and they are violation the Fair Credit Reporting Act. They have defamed me and my character, and refuse to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my fraud alert and security freeze temporarily for 3 months, Please send me the pin to lift the freeze.

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 2023-10-09
Company: Army and Air Force Exchange Service
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604a, section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 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 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 2023-08-08
Company: OneMain Finance Corporation
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
The One Main Financial personal Loan for {$4200.00} currently listing and showing on my XXXX XXXX, XXXX and XXXX credit report is a fraudulent personal loan account, not my personal loan account and is the result of identity theft. I never applied for a personal loan with One Main Financial. The police report case number is : XXXX for the fraudulent One Main Financial Personal Loan Account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1986, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Account information incorrect

Complaint:
XXXX XXXX credit card balance is {$0.00}, however on all credit bureaus it shows a balance of {$160.00}. Card balance was paid on XX/XX/22 which resulted in {$0.00} balance.

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 2021-10-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX -XXXX-Balance {$1400.00} XXXX XXXX-XXXX-Balance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Investigation took more than 30 days

Complaint:
My disputes have been sent over a year ago for these collection account that are on my report still and now its XX/XX/2022 with no removals XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation