BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
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: Public record information inaccurate

Complaint:
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

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 2017-10-03
Company: EQUIFAX, INC.
State: MS
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 or about XXXX XXXX, XXXX I was informed by Equifax Credit Bureau that my personal information had been breached along with many others, and I noticed a hard enquiry on the CBR that I did not recognize. I called Equifax but have been unable to talk to anyone about the hard enquiry so it can be removed. The hard enquiry was made by XXXX XXXX, and I already have TV service, ( antenna ), have no need for satellite service, and I have never used XXXX XXXX here at this address. I use XXXX XXXX service and I have had it for years. I am a victim of Identity theft, and a victim of Fraud, since XXXX and I have fraud alert statement on my credit bureau reports, and I suppose to have a security freeze on my report but Equifax never sent me a ten digit code so as to be able to dispute any errors on my report to be able to temporary left/remove security freeze. IT has lowered my credit score and I have not applied for any service from XXXX XXXX and I called XXXX XXXX and complained about it, and all they did was send me a report showing that someone did in fact try to use my name and apply for XXXX XXXX service without my permission, but I do not know who. I can not seem to unlock/lock my credit report because there suppose to be a security freeze, but without a ten digit code, I ca n't do anything and I have n't received a code of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: CA
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: Old information reappears or never goes away

Complaint:
How can i already try to fix something when I come to u first, and u act as if there is somewhere also to go to get stuff like this fixed, who also could u go to, Noone gives a XXXX. And u ain't going to do any thing about it either. I'm just telling you this now, so when it happens I ll say, I told u so. Then I'll hav the proof I need cuz I've don this before OK. Ur just Goin to waist my time and get nothingsolved. So ya, thats what up.

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 2021-06-11
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Netspend new accounts ask for two forms of ID ( government ID and utility bill ) be sent to an email and there is also a phone prompter questions to verify a new identity AND the document does not say anything about verifying your social security number nor does it ask for any of this. Sending these documents to a system we believe is outsourced where there can be identity theft problems in other countries. They have refused to grant me my verification so I called them to get my {$10.00} released and they said I can just spend the money on the card and later close the account. They have blocked my online transfer facility after they told me that I could facilitate that if I got a new card and that advice was wrong. I have sent back to them a screenshot of the initial online form where it requests these two forms of verification for who I am - and not a verification of my social security. After all, it's a prepaid card and they are not giving me any credit. The email that they are giving out to use has the wrong address they told me at customer service. 
Mail Delivery System XXXX is what you receive but the email is to Documents XXXX, and thy have a mail delivery problem. This is no way to send out personal documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit report and saw items that i didn't approve of neither do i recognize these items. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I still need these items to be removed from my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED.

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 2017-12-26
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I previously sent a compliant to your department reference number : XXXX regarding OCWEN LOAN SERVICING LLC. After reviewing Ocwen 's response they are basically not forthcoming and appears to be involved in a very unethical situation which took place previously. Ocwen Loan apparently became the servicer for my residence at XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. After further research it was revealed this home was involved in several fraudulent loans, in which we were the victims of Identity Theft and Mortgage XXXX. I did notify Ocwen there were several loans on the property, however, we never signed any final documentation. The documentation we received from the closing attorneys was fraudulent. At this current time, Ocwen was given an unmanageable debt. We were unaware of this issue until we were alerted a realtor who pulled documentation regarding the property. In addition, it appears one of the attorneys was charged with embezzlement. WE OWN NOTHING AND WHERE DID OUR MONEY GO? We are taken legal action against all parties involved. we do feel it is in Ocwen 's best interest to initiate damage control before this hit the media. In addition, they responded to our denied modification which they TOTALLY LIED ABOUT, and they are constantly threatening to foreclose on a home was MAJOR FRAUD just to cover their XXXX! In addition, there are additional loans on this property from other mortgage companies. Ocwen stated they had our signature on file on the documents regarding the financing of this property. WE NEVER SIGNED ANY FORMS, THERE WERE NO NOTARIES AND NOT ATTORNIES. We were told to show up at XXXX and XXXX, XXXX XXXX XXXX, XXXX Georgia XXXX. The attorneys assistant was present. We inquired about the signing, we informed the process was complete and the attached forms was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed incorrectly. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2021-02-16
Company: Synerprise Consulting Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called the company twice in the last 60 days to try to verify debt, asked for copy of statements from original creditor and a financial breakdown of debt owed. Nothing has been mailed to me, I have also attempted to dispute with credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called wells fargo XXXX number and asked them not to renew my CD, the did this correctly for one account and transferred to my savings account, i called again next month for another CD that was going to expire in 7 days, they said its taken care of and wont be auto renewed in XXXX 2017. now when i check my account its been auto renewed the issue for another two years, when i called them they are transferring m back and forth and not ready to fix

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 2022-04-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed incorrectly. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 2017-10-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was paying off my credit card with XXXX Bank. I called XXXX for my account number because I was paying it off with my online XXXX with XXXX XXXX and XXXX. I sent them XXXX to pay my card off on XXXX/XXXX/XXXX and it went to XXXX on XXXX/XXXX/XXXX. I started getting phone calls about being past due. Now they 're telling me that the account number that THEY gave me was for a paid off loan and they have no idea where my XXXX  went. XXXX XXXX has given XXXX the Credit Trace number, the File Trace number and the date that they received my XXXX} and XXXX keeps telling me that they lost the XXXX} and that I have to file a dispute with XXXX XXXX. I do n't have a dispute with XXXX XXXX, I have a dispute with XXXX Bank. An employee of XXXX is now telling me that I owe hundreds of dollars in late fees and that it 's not their fault that they gave me the wrong account number when I called back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Client Services, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. Unlawful Collection Practices & Extortion 2. Violation of HIPPA 3. No Contract or agreement with Client Services Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Performance Settlement, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was misled by this company ( Performance Settlement ) and cancelled my debt consolidation program on XX/XX/2018 since I was not being informed of my debt status or any details on my account after requesting updates. Was promised full refund less {$55.00} processing fee. Never received after several inquiries and company could not verify amounts, only re-initiated the cancellation on XX/XX/XXXX and again on XX/XX/XXXX. Refund still not received so I disputed all 3 deductions from my XXXX XXXX bank account. My bank provided the provisional credits then ran the 3 amounts back through on XX/XX/XXXX and XXXX only notifying me of one of them. I received a check refund from the company for {$520.00} on XX/XX/XXXX but had paid them {$970.00}. No explanation on check stub or breakdown of where the additional refund may be and now company not returning my calls. My bank acct is overdrawn and states the disputes were reversed since company provided them the proof of agreement to pay. My bank was to mail me a copy of the dispute paperwork twice since XX/XX/XXXX and I still have not received it. Ive been scammed and can not re-dispute the charges of XXXX ( 3 times by ACH ) at my bank. I also incurred {$140.00} in bank fees for the 1st disputed payment and had to pay that back as well. Please help me make this right. I am owed {$440.00} from Performance Settlement less the {$55.00} fee which I also do not feel I should have to pay since their dishonesty and broken promises still are not resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Experian Information Solutions 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:
ACTION : Experian Reinserted deleted items from my credit report without notification in writing within 5 business days, which is a deliberate violation under Fair Credit Reporting Act Part ( A ) ( 5 ) ( B ) ( ii ) Purpose : I ( XXXX XXXX XXXX ) demand an immediate permanent deletion of all items reinserted. 

See Attachment EXHIBITS 1-4

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-04-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with First Citizens. I used my credit card to fund the account. I used my debit card for a few transactions at XXXX and set up direct deposit. Then a month or so later, they randomly closed it on me citing XXXX. Nothing has changed on my XXXX report since I opened my account. I used my account for transactions as designed and they closed it making my debit card not work and locking me out of paying rent with it right when rent is supposed to be due. 

When I signed up, I signed up under a promo for a XXXX dollar bonus. They then closed the account after I met the conditions of the bonus. No doubt because they didn't want to pay the bonus. That's a good way to offer bonuses for accounts : you offer bonuses to attract customers, then those who meet the requirements you close their account so you don't have to pay out, and keep those that fail the requirements. Get free accounts without paying a cent. Very unethical.

Company response to consumer: Closed with explanation