BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion had a computer glitch that caused inquiries to be deleted. Transunion later added them back onto my credit report without giving me legal required written notice 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. On X/XX/2017 around XXXX XXXX I spoke with a Transunion rep name XXXX and later that day around XXXX XXXX spoke with a XXXX to advise them that I checked my credit report and found unauthorized inquiries on it. Both reps declined to remove inquiries off my credit report. I advised both reps that these inquiries has had a financial hardship on my life because it lowered my credit score that made it harder for me to purchase a home. I told them that they were violating my rights, but I was told by the rep XXXX that this was Transunion 's problem and it does n't matter. I 'm asking the CFPB to help me stop Transunion from continuing to victimize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX I DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF ED/XXXX ACCT # XXXX 2.DEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX XXXX DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN XXXX DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MI
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00XXXX 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 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The problem bank is CapitalOne, , Exp XX/XX/XXXX this Visa card was issued to me XXXX XXXX XXXX and for over a year I can not view this account, why?In XX/XX/XXXXthis bank informed me that they were sending me a new card, which I did not receive after a month of waiting.  I called the bank and requested that they cancell that card.  About 10 days later I received the new card but was informed after attempting to use this new card that they had cancell this card.  Over this past year it has been impossible for them to allow me to access this account for one reason after another of lies and harrasment.  I called their bank numerous times spending 30 or forty minutes attemptimg to get access to this account. As they have purpus;y blocked me claiming that they needed proof that it was me they were communication with.  More lies on their part, why?  After they informed me that they had changed my credit rating I contacted the Consumer Protection Agency...several times...to this day I am not able to access my account to see the errounous late fee charges that they claim but are not entitled too.    Finally several months ago they sent me reminder after reminder of forth coming payments to my email address that has not changed for 15+ years.  I called to make a payment and was asked by their employee if he could charge my XXXX  account. I then asked to speak to this mans supervisor after42 minutes of conversation he hung up on me.  I had asked to create a new password to enter a new account that they had created but never informed me of.  Since  that conversation I have had to call to make a payment on the unknown account.  My most recent dealing with this bank was again another failier, howerver, the native english speaking woman was most helpful untill I requested that I be allowed access to change or add a new password and was informed that department was not responding.  I guess they  hope that I will die or go away but for sure thay have no intention ‘to do the right thing’  So...Here I am requestion you to assist me as I know no other way to get them to respond.  This Capital One organization  thinks that they can  ‘get away with anything’ as they also have the credit rating company.  Why am I not allowed to see this new account whic they want me to pay on, with their laet fees and what ever else thay can concock to steal my money?XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had to dispute a merchant transaction. They found it in my favor and claim the funds were posted back to my account. This is not true. I've gone through the transactions and it's never been posted. They have had multiple outages and I don't have any other way to get resolved. 
{$23.00} XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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: Account status incorrect

Complaint:
Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.

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 2023-06-08
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt belongs to my daughter. I did not sign anything to be held accountable for this debt. My daughter has since paid off this debt and I don't think it is fair for this collection to be on my credit file. I am not responsible for the account. 

The collection company is ProCollect in the amount of {$390.00}

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 explanation
Consumer complaint received 2022-10-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent the debt collector ( LVNV Funding LLC ) a debt validation request letter. They received it on XX/XX/XXXX and signed when the letter was in their possession. On XX/XX/XXXX they sent me a failed debt validation and instead sent me a debt collection notice. The debt collection was written in XXXX which I do not speak or read as a delay tactic. I have sent all letters and communication in XXXX so there is no reason why they should have responded in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have a false and fraudulent inquiry on my credit report from XXXX on XX/XX/2021. I never signed up for credit with them this is false please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At XXXX on XX/XX/23, I entered the lobby of US Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, to request a cash withdrawal of {$6500.00}. I was told that " wasn't possible today '' and to " come back tomorrow after we get cash. '' The cashier then told me they only had about {$2000.00} on hand in the entire branch due to a " cash run '' over the weekend. It's XXXX  at XXXX, so they should have had plenty of time on XXXX  to get cash on hand before XXXX. I know I can go to a different branch but I shouldn't have to. Having less than {$2000.00} on hand for two whole days? Unforgiveable for the 5th largest bank in America during a year with several regional bank failures. 

US Bank customer service and the cashier both told me to try other branches. It's a solution that would likely work, but I shouldn't have to run all over town for a withdrawal like that.

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 2021-12-13
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX To Whom It May Concern : I am writing this letter in regards to payments made on my federal student loans which should qualify under the public service loan forgiveness program. 

From XX/XX/XXXX through XX/XX/XXXX I was in repayment which was the income based repayment plan. On XX/XX/XXXX it states that I was in forbearance, but then was placed back in repayment which again would ( or should ) have been the income based repayment plan on XX/XX/XXXX. This continued through XX/XX/XXXX. All loans should have been on income based  repayment from XXXX. Due to low  income at the time this generated a monthly balance of {$0.00} during this time. There were no changes in loans or employment during this time period and so these loans should have remained under the same umbrella of the income based repayment plan. 

On XX/XX/XXXX the loans were placed in forbearance when all student  loans were placed in forbearance due to the pandemic. From XX/XX/XXXX through XX/XX/XXXX documentation has been submitted for a qualifying employer and these dates continue to state that they were ineligible under the public service loan forgiveness program. 

The months from XX/XX/XXXX through XX/XX/XXXX I did not receive a W-2 from a 501c3 organization, but did all of my work for a 501c3 organization. I understand this may disqualify those months, however, due to the pandemic and significant need for health care workers during that time it would seem that if work was being done at a qualifying institution and performing qualifying duties that these months should qualify as well. 

I have contacted the FedLoans program several times over the past six months regarding these issues and have not seen any of this information updated to reflect the above changes. I have included some information below, but please let me know if more detailed information is needed. 

While the Public Service Loan Forgiveness program was not in effect until XXXX, I have been committed to working for non-profit organizations and have been passionate and committed to serving the underserved populations since the year XXXX. It is my hope that the above can be corrected in a timely fashion and that the time I have served be recognized appropriately. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as Guaranteed Rate as my servicer. The insurance was paid through my escrow during closing. Guaranteed Rate transferred my loan to XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. XXXX XXXX of XXXX I received a letter stating XXXX XXXX XXXX would be placing lender place insurance on my home. I called XXXXXXXX XXXX XXXX and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment Guaranteed Rate and XXXXXXXX XXXX XXXX violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate which was cancelled XXXX of XXXX or provide new coverage due to non-payment. I have to seek different insurance at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items. Neither Guaranteed Rate nor XXXX can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of XXXX XXXX servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. 
My rights have been violated, per lender requirements, the servicer breached the contract when they failed to make payment, my mortgage has increased, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded account which the servicer failed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$8600.00}

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 2023-03-15
Company: WELLS FARGO & COMPANY
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:
My account was closed and I was unaware. They said it was closed for non-payment of overdraft fees. No proof was ever sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXX NA, XXXX XXXX XXXXXXXX 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 XXXXXXXX, have all violated my right. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation