BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I pulled my Transunion credit report from annualcreditreport.com and noticed a few inquiries that i did NOT authorize nor do I have any open accounts with the following Financial Institiutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX IN Made contact with the credit bureaus and nothing has been 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 explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 many times with you guys to get this resolved. Transunion is still reporting a Public Record of a Bankruptcy on my credit report. I've asked for 8 months now to either provide proof of where you got this information from or to delete it from my report. Even recently as of XX/XX/XXXX, I requested proof or deletion of two items. Transunion deleted one item and ignored the current account in question. I have a paper trail showing this neglect has been going on since last winter. I even did my own investigation, went down to the courthouse, obtained proof that my name is not associated with any bankruptcy reported to Transunion ( attachment included ). I went through this with another bureau and they suggested that this information may have come from a 3rd party ( XXXX XXXX ). I reached out to XXXX XXXX and they too said I am not in their records with a Bankruptcy. I provided them proof and they deleted this from my credit report. I am including both letters and asking once again for you to delete this Bankruptcy from my credit report. Please do not ignore this request. I have a paper trail of certified mail dating back until XX/XX/XXXX requesting verification and you have yet to send anything. This is an FCDPA violation with multiple offenses.

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 2023-07-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Logged into my account because I received my billing notice via email and the Payment Amount Due changed from {$310.00} to {$400.00}. 

I called Navient for them to give the reason for change in payment amount. First the lady said I was on a graduated payment plan which was not accurate, as I had changed payment plans XX/XX/2023. The payment plan states fixed payments of {$320.00}, however I paid off one of the loans in XX/XX/2023 so the payments were {$310.00} The lady then put me on hold to check with their accounting. She came back and said the payment increased due to the increase in the interest rate from Congress in XX/XX/2023. I told her my agreement was XX/XX/2023 for fixed payments. No where in the document does it state that payments may fluctuate due to changes in interest rates. 

The only language in the document is a disclosure that states : Review of Payment Schedule Periodically, we review accounts and adjust Monthly Payment Amounts to ensure that loans will be paid off within their repayment terms. We will inform you of any such change before the new Monthly Payment Amount is due. 

Navient did not contact me regarding a change in my monthly payment amounts. I received a monthly statement with zero explanation as to why the payment amount changed.

The payment plan is fixed payments. Again, no where in the document does it state that payments may adjust with changes in interest rates - because this is a FIXED payment plan. During the payment pause the interest rates went down. Did my payment amount go down? NO. It stayed the same FIXED payment amount and I paid it every month on time. 

Navient continues to practice their deceptive methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Information belongs to someone else

Complaint:
To whom this may concern, My name is XXXX XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of Identity Theft, and my personal information was used or tried to be used to obtain services and goods without my consent or permission. I request that the following information listed in this report and this statement be removed immediately. 

ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had this problem with BBVA Compass on more than one occasion. My most recent experience is with a transaction on XX/XX/18 for {$410.00}. It was deducted from my available balance on the XXXX with a positive balance. It was as the bank says a hard hit on the XXXX leaving an available balance, and I was still charged on overdraft fee of {$38.00} which in turn caused additional items to hit and be charged fee 's as well. The banks provides an app which they suggest you use in order to keep track of your balance. What they neglect to tell you is even though on their app it shows you have an available balance which every transaction is immediately deducted from, the actual charge is not really deducted from your account until it paid. So they give you a tool to make sure you know how much money you have and then allow you to spend that money. What they don't tell you is it's NOT they way they keep track of your available balance, which in turn allows them to access fee 's for using the tools they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a stopped payment on a check for {$380.00} but usaa let the check go through causing my mortgage payment to bounce. I was unable to make a deposit at the XXXX ga atm. But they told me I had to just get a money order which I did. I deposited the check using my XXXX   but to make problems worse they hold {$260.00} of my money. Then this new problem arise with this {$380.00} coming out when I had a stopped payment to. There is always somebody at the bank causing you financial issues and things to bounce. Somehow the stopped payment fell off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home was burnt down due to the California fires. the 1st mortgage insurance paid to fix the home. we offered to short pay the 2nd mortgage and was recently denied ( I was informed XX/XX/2021, as of XX/XX/XXXX I was told that my appeal was under review ... and today I received notification that SPS has put my home up for foreclosure sale on XX/XX/2021. Please help me deal with these people. they told me I was under appeal..and that I was still under covid forbearance protection and now they put my home for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
At about XXXX on XX/XX/2020, I was trying to sign into my XXXX account and I was unable too, after several attempts I was unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled i had received a text message earlier in the day stating my phone number had been disassociated with my cashtag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email i immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me. 

I immediately started looking for a phone number to contact cashapp, to my dismay they do not have a phone number and the only way I could contact them was via email, i proceed to send an email to cashapp right away making them aware of the fraud and i was no longer in control of my chashtag, the next day I was hoping to have received a response from cashapp since the issue in question has to do with fraud, being a financial company I expected issue like this will be treated with high priority, cashapp finally responded 24hrs later, in the time it took them to respond, I had someone send me {$470.00} to my cashtag account, this was after I reported the incident already to cashapp. 

the email from cashapp ( XXXX : ref ) asked me to provide some information, which I did, I waited for another week and contacted cashapp again requesting for an update, to my surprise cashapp claimed from their investigation, I gave my cashapp information to a 3rd party ( which i never did ) and there was nothing they could do about missing funds, and my best option was to dispute it with my bank, I sent a response back to cashapp requesting to know what happened to the {$470.00} that was sent to me after i had already reported the fraud, their response was the money is lost, and there was nothing they could do about it. 

I'm attaching evidence to show proof my email was hacked, also proof of funds taken from my bank account, finally additional funds sent to my cashapp account after I reported the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX, XXXX  & Transunion are reporting lates on all 3 of my XXXX  XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are 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 2019-03-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a sign contract with my signature verifying the amount owed.and for what i owed {$110.00} the FCRA law require the Notification be available. this is my second attemp I ask that information be available within seven days that i may veiw the information if not available remove the information from my consumers file and stop reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: ERC
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:
I have a derogatory mark on my credit report from XXXX. My wallet was stolen in 2019 and I started seeing things coming in my name. Inquires and bills. I still have the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened new checking and saving accounts with Citibnak sometime last year in XXXX using new account promotion bonus, I met all the requirements and earned {$500.00} bonus ( new account opening promotion ) sometime in month of XX/XX/2020 they credit this amount into my account directly, and as I was told that I should receive 1099 for this promotion bonus. 

But unfortunately they never issued/send me 1099 and when I tried to call them and ask for this first of all they are telling me ohh because I did not earn $ XXXX interest and so no 1099 was issue and blablabla ... but this promotion bonus should trigger and required by legal to have them generate 1099 and send me and IRS . 

Can you guys please help me into resolve this with CitiBank? I should get a 1099 for this as well as they should pay me the cost of my tax return amendment as well. 

( I was just realized that as my husband also was in similar boat and he just received his 1099-MISC yesterday only from Citi with a letter said due to some error they did not issued the 1099 for the promotion bonus and so they are issuing now which is passed the deadline and so as it requires a tax return amendment and so they will send a check of {$180.00} to cover this tax return amendment cost )

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 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have a credit card with XXXX XXXX and they track my credit score from Trans Union using XXXX XXXX. Between XX/XX/XXXX ( when my score was XXXX ) and XX/XX/XXXX, the score was downgraded to XXXX. 

I discovered this when I applied for a new car loan on XX/XX/ and was informed that my score was XXXX. 
I subsequently got a copy of my credit report from Trans Union and called to find out why my score had dropped. There is no indication as to why this happened on the report.

I called Trans Union and got nothing but a run around as to why they dropped the score. I asked repeatedly for a reason and all I got in reply is that " the computer generated the score '' or " there are many factors that COULD affect the score ''. I was never able to get a definitive answer as to why my score was reduced. I finally asked to speak to a supervisor and eventually was cut off. 

This agency ( as well as the others ) affects the entire population of our country and to get answers like that is disgusting. It seems that the credit reporting agencies are not held accountable for their actions to anyone and I feel that it is time that they are.

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 2020-05-29
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from Jpmcb Card. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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 second time attempting to have TransUnion remove the remaining fraudulent student loans and inquiries from my consumer report. Pls remove what is outlined in my FTC reports.

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 2022-10-26
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: Personal information incorrect

Complaint:
In According with the fair credit Credit Reporting Act XXXX  Acct has been violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 Section 604 Sec 32 : It also states a consumer reporting agency can not furnish a account without my written instructions I am names on my credit report that are not correct, there are several different names that are on my crest report that are incorrect

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