BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 ( Original Creditor : XXXX XXXX XXXX  ) Account number : 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 non-monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: TN
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:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: HW Holding, Inc
State: NE
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: Information is incorrect

Complaint:
Eviction on report was taken to court and dismissed. Incorrect dates, and Incorrect amounts. The motion was dismissed and court costs have been paid. They continue to add interest when legally they shouldn't. XXXX XXXX removed. XXXX will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
AD ASTRA RECOVERY SERVICES Account number XXXX- is reporting a collection for {$310.00} on my credit report for the debt that is NOT mine. I called and have written letters to AD Astra to state that this is not my account and that I never have done business with Original creditor XXXX XXXX XXXX  CA- they refused to take this off my report they asked for my social # phone # and where I worked now they are aggressively harassing me trying to collect a payment on this fraudulent account ... ad astra threatened to arrest me if I didn't pay this debt that is not mine to begin with ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Their investigation did not fix an error on your report

Complaint:
Remove XXXX XXXX off my credit report ..The information in incorrect. An employer ( XXXX XXXX ) was added to your credit report on XXXX XXXX, XXXX. Item is incorrect. Also On XX/XX/XXXX, you informed us that the missed payment from XX/XX/XXXX, on your XXXX XXXX XXXX XXXX account is inaccurate. is incorrect. ( XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 and XX/XX/22, I contacted the credit reporting agency TransUnion regarding inquiries for a company that I have not authorized nor do I have an open account with. TransUnion stated that the items will be removed from my report and I will have written correspondences sent to me. As of today, I have not received any information regarding my disputes, and feel that I am being ignored.

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 2023-10-18
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX XXXX XXXX member who was required to get a XXXX XXXX XXXX for official travel. Citi handles the XXXX program and they are fleecing the US government and scamming US service members with absurd fees and interest. Back in XXXX I was instructed to apply for this card, so I did. I was unaware of a {$29.00} activation fee. I received no correspondence about this fee until a letter received in XXXX that said I owed that along with an additional late fee, for a total of {$58.00}. I tried to pay the {$29.00} fee on their automated line, but it didn't work. So I tried calling customer service multiple times. Every time I called I'd be on hold for upwards of an hour. When I finally got through to a person, they were rude and condescending. I finally asked to speak to a manager. After another 30 minutes of hold time I was asked to provide a phone number so someone could call me back. Several hours later, a manager called back and was just as rude and condescending. She provided no further help or information. Citi is running a racket. They have abysmal customer service because they don't need to provide good service since we are forced to use their trash products due to the government contract. If I'm having this much trouble with these charlatans, I am certain many other people are struggling with similar issues. I've spoken with several other individuals who have similar stories of phantom fees and horrendous customer service experiences. Additionally, their fraud detection is terrible and many people have been left on the hook for fraudulent transactions. Citi is the absolutely worst company I've ever had the displeasure of dealing with, and I would never voluntarily use any of their products. My recommendation is to stay as far away from these criminals as possible.

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 2021-04-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im a new customer at citibank so my acxount havent have money yet. I deposited a check of 2000 in on XX/XX/XXXX. On XX/XX/XXXX they closed my account, i couldnt go online, then i called, they said the check look counterfiet but yet on XX/XX/XXXX they withdraw money out of the issuier account. When i called them they asked me the phone number of the owner of the check to verify, but after all they couldnt verify it. I asked did they call they said they didnt call because the phone number wasnot under the issuer name but her husband name. Then they said nothing i can do but wait for 30-60 days for the account fully closed then they will refund the money. Now i called again, they said i have to verify the check for them to able to refund to the issuer of me. Today i talked to them again, they said i have to wait until XXXX for it to completely closed then the only choice is for the issuer to notery documents them come to citi bank and verify that she signed me the check or else the money will be hold by them forever. 
Its covid. Because my kids have to stay home for online class, i been home for a year. I have to sell stuffs to survire. This is my rent money. {$2000.00} is so much 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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 submitted a dispute with Transunion since 3 accounts were reported wrong balance - 3 2 of them were paid in full. I submitted a dispute got the dispute results and they corrected only 1 account. When called and complimented they asked to open another dispute moving the deadline for them to correct the inaccurate information to 60 days. 
Here is the TransUnion file # FILE IDENTIFICATION NUMBER available. Your unique FILE IDENTIFICATION NUMBER is XXXX and is also located at the top of this page. 

The two accounts were paid in full and closed are TransUnion did not update - the other two bureaus have report the correct info for the same accounts Their dispute process does not respect regulation to fix incorrect ingo in 30 days - Phone and online service are not consumer friendly- To correct the information they are taking more than 30 days and they asking the customer to submit a new dispute.

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 2018-04-06
Company: Bread Financial Holdings, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries from your bank that i did not authorize..These inquiries were made by my ex wife without my knowledge or consent XXXX XX/XX/2017 & XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: Chime Financial Inc
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I did not buy anything from XXXX I was charged XXXX on XX/XX/2021 XXXX told me the person who used my card had it sent to XXXX but they can't help me until my bank despite it with them I do not live in XXXX and I do not know anyone in XXXX XXXX keep telling me they will call me back but they never do and my bank says XXXX never responded to them and XXXX says my bank never dispute the charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company, Resurgent keeps harassing me, through all communication, over a canceled debt, from a company ( XXXX ), that no longer exist. The debt would be over 10 years old. Past Texas ' statue of limitations, anyway. I told them to stop emailing/calling me. So, they started sending letters. I was also, told it was two debts, cause one company had bought the other. Though, one no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$540.00} XXXXBalance {$50.00} XXXX  XXXXBalance {$0.00} XXXXBalance {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern, After spending more than six months trying to resolve the mistakes with United Wholesale Mortgage ( UWM ) on my VA loan, they refuse to correct their mistakes. My payments are not being applied to my account on the dates received by the mortgage company. Payments are taken out, then reapplied at later dates. Funds are held, misapplied to principle, then removed and incorrectly applied to the monthly payments later than when payments were received. I tried working directly with their customer service line and my records shows numerous calls over six months from payments not properly entered on my loan. I even walked a representative step by step through the payment expectations, yet another mistake was generated. The mismanagement of the escrow payments is terrifying. The mistakes are clearly showing in the payments history on my loan with the numerous corrections made monthly by UWM. 

Example : The payments made in XXXX ( XX/XX/XXXX & XX/XX/XXXX ) should have been applied to the XX/XX/XXXX payment with the excess going to principle. I dont know how to say that differently so UWM can understand? Not only did UWM not do that, it appears that they applied the additional funds towards the XXXX payment, reducing that payment amount. Every time I call they tell me it's corrected and I shouldn't worry. Yet it never gets corrected. 

I've never had a late payment or fees of anytime on this new VA Loan. I've attached the payment history record directly from UWM. You can see the constant corrections being made by UWM monthly.

I can no longer call into UWM customer support, I get a different answer every time. For my protection I have been sending in emails in order to track the records and communications. After seven months with no resolution, I feel an investigation is warranted. Any assistance is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted documents in order to short sale my property and face a foreclosure on my credit report I submitted XXXX and pay stubs and all other docs through a friend of mine. I was denied because a box on the Request do mortgage assistance had a box unchecked the ask whether or not I am receiving unemployment. It is clear that o am not I submitted pay stubs and a XXXX. I believe that sps have violated my rights and intentionally ignored my file. I was told to resend file them I was told no enough time to review file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XXXX  XXXX| xxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX Age XXXX Account XXXX/XXXX| xxxxxxxxxxxx XXXX  CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX| XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX XXXX XXXX Account DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX {$1700.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX/XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX| xxxxx XXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XXXX  XXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX fcra XXXX XXXX i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2020 I received dispute results from Experian. On this report it stated the name " XXXX XXXX '' was " DELETED ''. As of today the name still remains along with another name that I disputed to be removed. I contacted Experian on XX/XX/2020 with my last efforts to remove the inaccurate information from my report. I spoke with XXXX ( Team XXXX ) and I also spoke with XXXX ( Team XXXX ). XXXX was the supervisor who I asked to speak with, she basically told me it would remain on my report even though it states that it was deleted. This is a blatant violation of my rights under FRCA and negligent enablement of identity thief.

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