BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-11-09
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am the Successor of Interest on a Freedom Mortgage acct # XXXX, of Mr. XXXX XXXX who died 0n XXXX XXXX. I have filled out 19 modification packages, been to court 14 times, requested mortgage forgiveness ( mortgage debt relief of 2008 ). 
My request was declined and then I was offered a traditional modification on XX/XX/XXXX. I called and spoke to representative to inform them that the offer was too high and more than the previous payment. The representative told me that if I did not sign that my house would be sold on XX/XX/XXXX in a sheriff sale. I signed document and was prepared to pay the 1st mortgage on XX/XX/XXXX Fives days prior ; I received a phone call from Freedom Mortgage assumption department informing me that they could not modify without a copy of recorded deed in my name. In previous attempts I was denied from office of recorder because I did not have " Letters of Administration '' ( although I have performed every duty of Administrator. Recently I filed a " petition to show cause '' for Letters and was GRANTED a hearing for XX/XX/XXXX. 
The Mortgage company has now filed paperwork to " Reassess '' damages and is now stating that there is over {$240000.00} owed by the " Estate of XXXX XXXX for this property that was only originally valued at XXXX. My house is scheduled for Sheriff Sale on XX/XX/XXXX. I am confident that the Office of the Register of Wills will give me " Letters upon the conclusion of our hearing on XXXX XXXX. I believe that Freedom Mortgage has infringed upon my rights as Successor in Interest according to the new law implemented in April 2018 by your agency ; regarding the treatment of Successor in Interest. I am seeking relief from this enormous debt which could have been avoided if Freedom Mortgage would have honored the FIRST letter ( dated XX/XX/XXXX ) acknowledging me as the " Successor in Interest ''. Please Help. 
MY CASE NUMBER IS XXXX. My phone number is XXXX. 
My email address is : XXXX 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 2023-02-04
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:
I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al. 

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 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.

15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-22
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/2022 and on XX/XX/2022, two unauthorized charges were made to my credit card. The card is issued by Citibank. 
Both charges were made with a company named " XXXX XXXX ''. The charges were for {$61.00} and {$76.00}, respectively. 
After notifying the credit card company of the unauthorized charges, they sent me a response that stated the charges were authorized because the " chip '' in the credit card had been used for the transaction. 
I did not make these transactions. They are fraudulent however the credit card company has made a determination they are authorized charges. 
I did not make any purchases with the company " XXXX XXXX '', who according to their website lists them as " provides a unique blockchain-based payment infrastructure allowing for instant funding ''. 
The credit card company needs to provide me proof that the credit card chip was present for the transaction because they are stating they are not responsible for the fraudulent charges.

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 2019-10-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit beuarues with no luck on getting this inaccurate information off of my credit report. Talked to reps and still no resolution. 

XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2022-12-06
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:
15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Auto Loan Past due : {$24000.00} Late 120 Days XXXX XXXX Other Loan Past due : {$490.00} XXXX Chargeoff XXXX XXXX Other Loan Past due : {$3100.00} XXXX Chargeoff XXXX XXXX  Other Loan Past due : {$760.00} XXXX Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ChargeOff

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 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
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:
Fruad Account reporting on my credit reports. 


1. XXXX XXXX {$2600.00}

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 non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : XXXX  Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : XXXX Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX l called the credit reporting place to let them know someone has put some bill from XXXX XXXX XXXX mobility bill on my credit report that is fake. The person or people that are doing this wants to get my money and they are not going to get it.l am tired because they did this to my XXXX XXXX report but they were smart to know it were fraudulent. l am tired and l dont bother no one so whats the problem.please can you help me.

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 2019-06-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written Equifax, XXXX and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to Equifax, XXXX and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT I HAVE IDENTIFIED INACCURATE ACCOUNTS ON MY CREDIT. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2023-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had trouble making payments they promised to work with me while I was gone from my home they came in and got rid of my stuff and changed the locks.

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 2019-06-11
Company: RSI Enterprises, 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 status incorrect

Complaint:
Received notification in XXXX 2019 of an outstanding balance from RSI Enterprises and contacted company in order to gather more information. Paid 1/2 of the medical debt ( {$250.00} of the {$490.00} total debt ) owed to XXXX XXXX over the phone on XX/XX/19 and then paid the remainder ( {$240.00} ) on XX/XX/19. On XX/XX/19 the account is still on my report and is also showing as open. This is hurting my credit score and also hindering me from home purchase. I contacted RSI on XX/XX/XXXX and was informed they would remove the account and send record. The document sent is misleading and I can not confirm if the account has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: TX
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:
I obtained my card from XXXX XXXX on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), XXXXl XXXX has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with XXXX XXXX several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-10-22
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
Hello, I disputed fraudulent charges on my account online and called Citi to ensure they would be resolved. I was assured they would be taken care of but only some of the fraudulent charges were resolved, not all. This has caused my +800 credit score to drop 72 points. I have called 5 times and wasted hours trying to get a resolution to the remaining charges but nobody has been competent enough to tell me what is happening. I am now at the point of being forced to contact a lawyer for a miniscule {$18.00} balance on my 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 monetary relief
Consumer complaint received 2019-11-09
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called the US Bank Credit card number on XX/XX/2019 to see about lowering my interest rate ( now north of 23 % ). I asked them if they would change my card to a platinum card instead of a travel rewards, that way they can still make money and I save some. The usurious rate that they are charging should be illegal. 23 % I so much that I couldnt possibly dent it properly. Im not asking them to close the card, Im asking them to not charge an arm and a leg, specially when rates right now are so low. It seems completely abusive and I believe the cfpb needs to be made aware of that these big banks are doing to their regular consumers. They said no. That there was no invitation for me to lower my rate right now. I explained how it would be smart to do this cause I could get a balance transfer and terminate my relationship with them. They still said no. They will charge me 23.99 % on a {$14000.00} balance. Which is fantastic for them! They keep this up Im positive they will be the new 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 2023-06-19
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I used the ATM but did not retrieve my withdrawal. I was rushing and left the {$100.00} I withdrew in the ATM. I immediately alerted the bank but was advised they do not service the ATM at the bank. I was bewildered but called customer service. I filed a claim but was told it would take 10 business days for them to investigate. I was like it does not take that long to see I did not get the money. But if i owed the bank I would immediately be requested to pay. Now my accout is overdrawn and I could put money in the account but I will not until they give me my money they owe me. I know I made a mistake by not retrieving the money but it was a honest mistake. But the bank typically credits your account but they have done nothing but give me the worst customer service and no real reason as to why its not credited or taking so long to investigate.

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