BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2021-11-19
Company: One Source Technology
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are 2 criminal reports, both listed as misdemeanors, however, they are not representative of any activity that I was involved in. 

1 ) Case # XXXX, File Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX. This is from XXXX XXXX, MD XXXX ) Case # XXXX, File Date : XX/XX/XXXX, Disposition Date : XX/XX/XXXX. This is from XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Transunion are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. )  This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2022-12-23
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$13000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage was denied on or about XX/XX/2021 after receiving conditional approval on XX/XX/2021. After applying for the loan the processor advised us that the loan we are refinancing had to be removed from forbearance. I took the mortgage out of forbearance and made the first three monthly payments. The forbearance was due to the pandemic. We lost one income and were uncertain about what the future would hold. Both of our credit scores are 800 plus. Our debt to income ratio was less than 30 %. We had sourced and seasoned cash reserves deposited in the institution. The Loan to XXXX was going to be in the area of 60 %. The lender led us to believe they would complete the refinance. We locked our loan rate and followed their instructions. We did not shop another lender or lock the rate with another lender. On XX/XX/2021 I received an email from the processor that our loan had been denied by the underwriter. At this point I do not know the reason why because I have not received an adverse action letter from the lender. However I believe the lender is treating forbearance as foreclosure or bankruptcy. I'm sure that was not the intention congress had when implementing the CARES Act and extending forbearance to homeowners that had lost a job due to the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my credit report, I noticed a collection posted. The creditor listed was XXXX XXXX XXXX XXXX XXXX. I have never heard of this company, had any type of association with this company, and have never opened any account with them. I filled a dispute with all three credit bureaus, and after they supposedly investigated, they claimed the information was correct and the debt remains on my credit report. The debt balance is {$1300.00}. The collection agency is XXXX XXXX XXXX. Beyond filing disputes with the XXXX credit bureaus, I don't know what else I can do to get a resolution as a victim of consumer fraud.

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 2019-12-13
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX NY XXXX XXXX XXXX, XXXX NY XXXX XXXX AMOUNT : {$1100.00} COMMENT : THIS IS FRAUDULENT.THIS NOT MY ACCOUNT .DELETE IMMEDIATELY F.T.C REPORT NUMBER: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 2017-12-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
yes I contacted by phone enhanced recovery and tried to dispute the charge they stated I had to fax or mail it so I did they still have not fixed this false debt as I never had a XXXX account in my name ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Reporting company used your report improperly

Complaint:
I tried to apply for a loan and on my credit report it said I had another strong inquiry XXXX XXXX Bank

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 2021-11-19
Company: Chime Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send {$100.00} to my nephew in XXXX on XX/XX/2021. A reply came back to me that the money has been sent and delivered. Three days later the money was not in the recipient 's account. I have contacted Sendwave and told them that the money has not been delivered. Later, they sent me a text that they will cancel the transaction and will return the money to me in 2 to 3 business days. Till now the money has not been returned to me, instead they will be sending text to me every 6 day. What I understand from the text is that the money will never be returned to me, but they are trying to get the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a fraudulent inquiry made on my account and transunion informed my via the specialist department, that I can not request a removal. This is a complete violation of my rights as a consumer and also a double standard. The transunion states if you find an inquiry that is inaccurate you can dispute or or if it is the result of fraud. However, I am NOT even able to access my OWN credit report via the transunion site. For the past 7 months i have had to PAY another company to get my credit report online becuase i cant even get my credit report from transunion via annual credit report or transunions own website. 

I informed Transunion of this issue and nothing has been done. 

I disputed the following inquiries that were not authorized by me : XXXX XXXX. ( I didnt authorize this ) LENDING Club - ( website says soft inquiry only ) I have requested online access to my credit report and have not been successful on Transunions website.

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 2023-01-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX, those 2 accounts Were sent to collections which means it is illegal for Equifax to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: CITIBANK, N.A.
State: NY
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 pay my credit card in full. Payment in full apparently never got posted to account. Now being charged at least XXXX  in finance charges. 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 monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
delete XXXX XXXX XXXX address. It belongs to someone else. 

delete XXXX XXXX  as employment information. It belongs to someone else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: SC
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:
I have been having an on-going issue with Equifax for the past year. The company has been reporting XXXX separate ( negative ) accounts on my credit file that are both in error and completely incorrect. Both accounts are for the same company XXXX XXXX XXXX XXXX. Both accounts are for the same exact thing and everything from the amounts, the " date open '', to the status etc are all incorrect and in error. I have reached out to Equifax a total of 3 times, disputing both accounts and have not received anything back aside from an updated letter stating " The information you disputed has been verified as accurate. '' The last XXXX disputes were sent certified mail which I have proof and still no resolution. I am requesting these inaccurate/incorrect accounts be removed from my credit file as soon as possible. Please assist me with this issue and I will provide any and all documentation that I have to get this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian & XXXX is unwilling to accept of investigate this claims online or thru mail.

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 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/XXXXXXXX XXXX XXXX suggest I should apply for Bank of America card for a balance transfer. I applied, complete with the balance transfer information ( account details ) and was approved. The transfer was going to XXXX XXXX before my mother started receiving high fees. She is elderly, low income and had this debt to pay for dental repair. 
I received several emails welcoming me to BOA, then finally a statement not showing the transfer. My mother XXXX  XXXX XXXX XXXX watching and waiting for this bill to be paid. 
XX/XX/XXXX, I spent more than XXXX hour on the phone with BOA confirming my identity and trying to find out what happened. The person claimed the address must have been wrong on the first transfer, offered to cancel it and do it again. ( I was never notified that this transaction had failed and no mention of it on online banking. I was grateful I called as my mother was feverishly concerned about the upcoming XXXX XXXX deadline. I double checked the information and resubmitted the balance transfer in which was successful and I received an email. My mother contacted XXXX XXXX and they kindly granted her an extension. 
A week later I received a letter that BOA suspected fraudulent activity on my account and suspended my card. The date was XX/XX/XXXX, the same day I spent hours on the phone correcting this. 
The transfer never made it and my mother can not buy groceries because of this. 
I called BOA today, XXXX, and was hung up on. I confirmed my identity, asked the person to help and he refused without a reference number. I quickly looked at my paperwork and gave him the reference number. He told me to go into a branch of the bank. I dont live near one and asked for a supervisor. He told me no and that he was terminating the call. 
This is the most heartbreaking, frustrating and misleading experience I have ever had. 
I have never received anything regarding the balance transfer that was initiated on XX/XX/XXXX and was hung up on by a bank representative when I tried to figure it out. I need help to make this right.

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 2022-10-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I tried to apply for a loan and on my credit report it said I had another strong inquiry XXXX XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.

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