BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account for its misleading report, It is not authorized to fail to validate this reporting account as unverified information without providing any proof. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$1600.00} This complaint is a follow-up in line with my previous complaint dated XX/XX/2023 2023

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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On or about XX/XX/20 I contacted XXXX XXXX to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per  month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from XXXX XXXX. Unbeknownst to me XXXX XXXX had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
XXXX XXXX is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE 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 explanation
Consumer complaint received 2023-06-16
Company: Fairway Independent Mortgage Corporation
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was late on my payment and Fairway Independent Mortgage Corporation went up on my mortgage by almost {$500.00} a month claiming it's for my escrow. I only pay homeowners insurance out of the escrow which is {$1400.00} a year, I do not pay property taxes in Alabama because i'm XXXX  XXXX XXXX  & XXXX  XXXX veteran. This is predetory lending practice. When i ask where is the {$600.00} that was said to pay property taxes i receive no answer. The are trying to take my home away for a one time late payment. I receive threatning phone calls and messages monday-friday and also threatning letters in the mail. I'm on fixed income and can not afford my mortgage to double in monthly payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}

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 2023-01-31
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: Information belongs to someone else

Complaint:
This is my next 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

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 2023-01-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my fifth request 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 Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$9800.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX Inquiry : 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 2020-12-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a Mortgage Forbearance under the CARE Act with our Servicer Rushmore on XX/XX/2020 over phone and was verbally denied by Rushmore Rep because he stated of our being in foreclosure ( I believe he wrongly denied us ). 
We are also now once again requesting a 180 day forbearance under CARE Act in writing to Rushmore dated XX/XX/2020 and are waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have an issue to open bank account since XX/XX/2015 because bank of america made mistake and put my name under fraud activities and closed my account. 
I cleared my name with XXXX and I have identity case. 
I cant open account because bank of america still blocking my name. 
Can you please help me. 
Thank you.

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 2020-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi, There is NO reason that banks should charge fees for withdrawal transactions submitted to a bank account. They are well aware of the account is empty. If they cared about benefitting the customer, they would block it, with no consequences. Instead, they charge an egregious {$35.00} industry fee. This fee would never be allowed, except these banks have regulatory monopolies given by their special government mandates. Moreover, they charge the same fee as many times as transactions occur. Using their app to check my balance, they also slow the update time, so that it is IMPOSSIBLE to check your real-time balance. Therefore, your ONLY hope of avoiding overdraft fees ( even if you do everything possible to avoid it ), is to never allow your account to fall below many multiples of your monthly withdrawal volume. ( E.g. if I spend $ XXXX / mo, then I need to maintain $ XXXX in my account, otherwise the multiple transactions hitting the same bank account may overdraft, given it is impossible to check the real-time balance given the banking delays. All major retail banks have this. This means if the transaction fails or you can not know about the overdraft ( THEY DON '' T EVEN TELL YOU AND I REALIZED MANY HIDDEN FEES IN OLD TRANSACTIONS ). THESE BANKS DON '' T HELP CONSUMERS THIS WAY. THEY STEAL MONEY THAT CUSTOMERS DESERVE THE RIGHT TO PREVENT. I SHOULD NOT NEED TO HAVE STUPID AMOUNTS OF MONEY IN MY SAVINGS ACCOUNT BECAUSE OF OVERDRAFT FEES. I LOSE HUNDREDS OF DOLLARS, THE BANK ALSO STEALS, IN OPPORTUNITY COST XXXX XXXX XXXX DOLLARS A XXXX YEAR HEY GOVERNMENT. IF YOU'RE GOING TO CREATE BANKS. FIX THE XXXX OBVIOUS ABUSE OF POWER. DO YOUR JOB. THE FACT THAT OVERDRAFT FEES EXIST PROVE HOW MUCH YOU XXXX XXXX AND SHOULD NEVER HAVE HAD OVERSIGHT. I WOULD CREATE A NEW BANK TO FIX THIS PROBLEM, IF YOU LET ME. YOU ONL.Y LET THE XXXX EVIL PEOPLE START BANKS AND XXXX PEOPLE OUT OF THEIR FUNDS, EARNING RISK FREE PROFITS BECAUSE OF THEIR GOVERNEMENT PROTECTED MARKET POSITION. CUT THE OVERDRAFT FEES OR ADMIT YOU'RE XXXX XXXX XXXX XXXX THAT HURT YOUR COUNTRY MUCH MORE THAN YOU HELP. BAD AMERICANS. DO SOMETHING. DON'T XXXX ARGUE WHY OVERDRAFT FEES ARE GOOD. I'M RICH. I DON'T CARE ABOUT HUNDREDS OF DOLLARS. YOU XXXX DESTROY PEOPLE WITH YOUR REGULATIONS WHO STRUGGLE TO SURVIVE. XXXX STOP THE OVERDRAFT FEES. REVIEW THESE BANKS TOP TO BOTTOM. HAVE CONGRESS EXECUTE, AND TESTIFY. GET YOUR XXXX COUNTRY IN ORDER YOU XXXX USELESS GOVERNMENT AGENCIES. 

PLEASE REQUIRE THAT BANKS REMOVE OVERDRAFT FEES. THEY DON'T EVEN WITHDRAW THE MONEY. ALL THEY DO

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 2020-10-17
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been fighting with Chime bank about my {$14000.00} and that was my rent money and someone stole my debit card and used it and stores and places and I couldnt even use my account at all and thy aint trying to get my money back for me and I started fraud claims at location that card was used and money was sent back but I cant get none of money and they aint trying to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Information belongs to someone else

Complaint:
This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX, GA XXXX Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Greetings I have been patient with the credit bureaus yet they keep breaking the law. As of XX/XX/2021 I have sent letters out to dispute items that I truly believe are not mine and yet these companies say that they are accurate without proof. How much longer can they play this game?

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 2020-10-17
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an alert about an ACH that was debited for {$49.00} forHud foreclosed. then XX/XX/2020 got another alert about another ACH. this was on XX/XX/2020, from some XXXX  that I never saw or knew about and put in an Unauthorized claim as this was at XXXX XXXX  at a time I am sleeping around XXXX XXXX. for {$79.00} for something that I don't know what this item is and never would buy online. I only use my CHIME for all local bill paying and shopping, and would never give out my Direct Deposit account information to. I only receive {$630.00} social security funds to this card and as I understand that anyone who tampers with Federal income funds can be prosecuted. I did not order anything from some XXXX  in Washington State or even California, and never will. I block all numbers from the western States as they are all criminal cartels there. I just want my money back as it has set my Mortgage back because of the overdraft it caused. Chime is responsible for any suspicious activity that is being sent to my accounts. I had cancelled the card and got a new card but have taken my direct deposit out of Chime and will close all business with Chime when I receive my UNAUTHORIZED ACH back from XXXX  which can't find any phone or customer service for. XXXX  is not found in XXXX and the phone number that the XXXX XXXX  gave me when I click on the number 2 option to talk to a representative, the phone hangs up and you can't talk to any live person and can't even verify who these people are. I did not ever order any service or item from them as I can't even find a number or address for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.

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 2023-01-18
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my account with US Bank on XX/XX/2023. I made the funding deposit of {$25.00} on the same day XX/XX/2023. Two days later on XX/XX/2023 my boss deposited {$2100.00} into my checking account as a payroll check. When this was done, there were {$250.00} of funds held for debit card authorizations and {$1800.00} of funds held for deposits. This created an available balance of {$0.00}. Today is XX/XX/XXXX XXXX XXXX  and my funds are still being held from me. I have went to the bank, pleading with them to help figure something out because I can not pay my bills or feed myself during this time. I just dont know what to do.

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 2019-10-30
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 HAVE TRIED TO CONTACT XXXX, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT, 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 2023-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XXXX i deposited a check that was sent to me because i thought i sold a entertainment bar.the buyer sent me a check for $ XXXXi deposited it to my wife 's account she had at the time with wells fargo.the buyer told me to keep the {$1000.00} i was asking and to give the people that were going to pick up the bar.i deposited the check into the account and told the teller that i needed {$1400.00} back to pay the company that was picking the bar.i didn't have the amount that i needed in my account.she gave me the {$1400.00} cash without telling to that they needed to verify that the check was good.tthree days later they text me that the ckeck was no good.now i'm in debt for XXXX XXXXXXXXmy wife had passed in XXXX the year before and i didn't want to have a stain on her bank account so i called the debt department, ithink it's in oregon that i was going to send {$100.00} a month.i think it took 2 years to pay it off which i did.My complaint is they did not tell me that they would put a hold on the check to verify it was good.up to this day i think they did me wrong.i would appreciate if somebody would look into this matter.thank you very much.the conversations between me and the buyer wre done by text

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 2019-10-30
Company: Santander Consumer USA Holdings 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 HAVE TRIED TO CONTACT SANTANDER, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP

Company response to consumer: Closed with explanation