BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I Am not able to see my credit score. Before I was using XXXX but due to some reasons or mistakes committed by my bank I am unable to see my score. then I changed my bank to XXXX but still it shows my XXXX credit score. I do not agree with this if I use my credit card I try to pay my bills on time so that I can maintain a good credit score. when I opened my account in XXXX, the employee over there checked my credit bureau report which showed me some addresses in XXXX that I don't know or I have never visited there, and one MasterCard of XXXX XXXX is issued under my name worth {$86.00} or {$93.00}, but I have never made any MasterCard or never visited XXXX XXXX till date. Please help me to maintain my good credit score because it's really important to me. 
thanks

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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of Transunion 's Inquiry issue! I contacted their customer service department and they would not help take care of the negative inquiries reporting on my credit report. 
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 2023-09-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX Inquiry 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 2022-08-11
Company: Chime Financial Inc
State: GA
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:
On XX/XX/XXXX, a charge was posted to my account in the amount of {$49.00} from a company that I had previously done business with. The charge was not authorized as the subscription with this company was cancelled back in XXXX. I tried to resolve the issue with the vendor, to no avail. I then contacted Chime to dispute the transaction. The initial dispute was denied a few days later with no explanation given. The following day, I received an email from the vendor stating that they would be refunding the {$49.00} and that the refund was sent to Chime on XX/XX/XXXX. By XX/XX/XXXX, I had no yet received the refund and contacted Chime. I was advised that since the refund was not yet sent to the bank, that they could reopen the dispute and receive a provisional credit. I was advised to send the evidence from the vendor showing that I was promised a refund ; I forwarded the email chain showing the promise of a refund between myself and the vendor to Chime on XX/XX/XXXX. I received notification 1 day later from Chime stating the the claim was yet again denied, with no explanation. There was also no investigation into the dispute. I called Chime yet again on XX/XX/XXXX to reopen the dispute a 3rd time, since it was now 5 business days from the date I was promised a refund. I was told that they would reopen the claim but that no provisional credit would be issued, due to the type of transaction, and that I would have to wait for the full 90 days for this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: KY
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: Problem with personal statement of dispute

Complaint:
I sent removal of charge off letters to, experian, XXXX and XXXX on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/2023, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard XXXX  was used. XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its XXXX back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...

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 2022-09-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22 I accidentally transferred {$7000.00} dollars from my Wells Fargo Checking account using Online Bill Pay to an old/closed credit card with XXXX XXXX XXXX XXXX This card has not been used in >8 years ( maybe more ). Per XXXX XXXX XXXX they have not received the money since the credit card has been long closed, and there is no accompanying bank account associated with the credit card. I have spent hours on the phone with Wells Fargo talking to low-level call center employees who tell me that they have to " research '' the issue. However, it has now been XXXX month and Wells Fargo has not returned the money to my account. They are unable/unwilling to give me a receipt or any other proof that the money was indeed sent to and received by 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to request that the Consumer Financial Protection Bureau XXXX CFPB ) delete the fraudulent hard inquiries from my TransUnion credit report. As a victim of identity theft, I have been wrongfully targeted by several banks and financial institutions, resulting in multiple unauthorized credit inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX These inquiries have caused undue stress and anxiety, as I have never had any dealings with these institutions and have no knowledge of the nature or purpose of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In this case, I am disputing the hard inquiries made by these financial institutions, which were not authorized by me, and were the result of identity theft. 

I have taken the necessary steps to protect my personal information and have reported the identity theft to the appropriate authorities. I have also contacted the credit reporting agencies and placed a fraud alert on my credit report. However, despite these efforts, these unauthorized inquiries have remained on my credit report and have affected my credit score. 

I urge the CFPB to investigate this matter and take the necessary steps to remove these fraudulent inquiries from my credit report. I am confident that the evidence will show that these inquiries were made without my knowledge or consent and that I have been a victim of identity theft. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-03-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a survey request titled " Chase in Partner with XXXX XXXX '' offering me a {$10.00} XXXX XXXX XXXX if I complete a quick survey to help Chase better understand my banking needs. 

Since this sounded potentially legit, I contacted Chase via secure message to ask if it was indeed legit. I received a secure message in response dated XX/XX/22 from Chase customer service agent XXXX confirming that the survey request I received was indeed legitimate. 

Based on that information, I took the survey, and within several hours I began receiving a barrage of SPAM and phishing emails that continue to this day. Previously I received very little junk email. Worse yet, the bad guys have begun targeting my computer with XXXX attempts that my antivirus software continues to block. Since responding to this quasi-Chase survey, I've received XXXX ransomware attempts in the span of just a few days. 

What's even worse? Chase customer service agents continue to respond to my subsequent secure messages re-stating that the survey I received was legitimate, telling my to respond to the contact address in the survey I received to inquire about my XXXX XXXX XXXX. I emailed that address and received no response. 

Also important is the fact that although I completed the survey based on Chase 's confirmation that it was legitimate, I receive a second survey request from the same parties reminding me to take the survey. Chase also claimed in secure emails that I was notified in my online account that I would be receiving a survey from XXXX XXXX, however my privacy choices with Chase precluded such an email ( see attached screenshot ). 

On XX/XX/22, I received a phone call from XXXX XXXX at the Chase Executive Offices explaining that she received my concern and was looking into the survey issue to determine if it was indeed legitimate. I followed up with XXXX a week later and she told me I had to be patient while she reviewed the issue. After not hearing from her, I followed up with her again on Tuesday, XXXX and have not received a reply. 

In the meantime my email and computer continue to be targeted with SPAM, phishing and ransomeware attacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solutions, LLC has contacted me several times regarding an unfamiliar debt. I sent a debt validation letter to request verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the referenced creditor. I also asked Radius if they have a debt collection license for my state, Illinois. 


Radius Global Solutions has yet to provide a copy of the written agreement created by my original requirement to pay, proof that the debt belongs to me, or a copy of the original creditor 's last billing statement. The statement Radius has provided does not outline or provide an itemized debt list.

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 2022-09-07
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing and standing in the gap for my mother who is unable to stand up for herself. 

She got her mortgage in XXXX. Someone sold her mortgage to Mr. Cooper and started her payments over with a new mortgage. Someone walked away with {$100000.00}. My mom is having health issues and is unable to make complete payments on a mortgage that we believe is almost fully paid. Please let me know what the next steps are to get justice and see that Mr. Cooper and Nationstar are held accountable for stealing from the elderly. Also, her signature is forged and her name is misspelled on the signature line. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This transaction happend XX/XX/XXXX The chase bank made this to XXXX XXXXfor the amount of XXXX for a purchase tracking no. ( MTCN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX the merchandise ordered was not recieved?? so I made a cliam XXXX XXXX  claim # XXXX and then I called Chase bank to make a claim for the XXXX in???? they closed my account. XXXX XXXX also refused refunding my XXXX dollars I just emailed on XX/XX/XXXX and am now complaining to myoure agency as I have now been out of money I am XXXX and XXXX please help me asap if you can XXXX XXXX XXXX I have been referred by XXXX XXXX XXXX help on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account 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 2022-09-07
Company: EQUIFAX, 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:
I spoke with Equifax today regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX that was currently reporting 2 late payments. The account is not updated. It is still showing late payments. The response from the credit bureau is below, Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX THIS ACCOUNT IS CURRENTLY REPORTING PAID AS AGREED, WITH NO LATE PAYMENTS. NON-REPORTING DISPUTES Trade : XXXX XXXXXXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Ocwen Financial Corporation
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:
Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report of Account name OCWEN LOAN SERVICING Account 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