BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2023-04-18
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft and I would like the items removed from my credit report.

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 2019-07-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted equifax, XXXX  and XXXX  to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: MO
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 sent in a letter to have unauthorized fraudulent inquiries removed from credit report to Equifax. I asked them to investigate them and have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: SoFi Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have tried to apply to refinance my mortgage with sofi twice. The first time the mortgage officer, XXXX XXXX placed me in a single family mortgage type, no points, and closing in XXXX. After two weeks of waiting XXXX informs me my house is deemed a multi unit by sofi and now I have to pay points or have a higher interest rate. I decline the offer from sofi as the points and higher rate did not make financial sense to refinance. Rates dropped again and I tried to refinance a second time with sofi. During the application process the website does not indicate multi family, therefore, I picked condo. XXXX doesnt contact me but I get an email from sofi that my docs are ready to sign yet nobody has contacted me and the information within wasnt accurate. I contact XXXX via email and was informed 3 days later that Im required to sign docs that I didnt agree to and arent accurate, and that I have to sign them before he can update them. I dont sign them as Im not signing legal documents that are inaccurate. He calls me, I email him letting him know that just like him Im working and XXXX either need to call me after XXXX cst or book time with me. I hear back that XXXX be out of the office the following day. I waited 5 more days, nothing from XXXX before then, and then a random phone call that my docs have been updated, but I havent spoken to him or agreed to anything. I email him and he sends me a screen print of one interest rate, apr and points over {$1000.00}, but thats my only choice. I reply that he doesnt get to pick a rate for me and that he either needs to call after XXXX cst or schedule time. Two more days, he calls before XXXX, I call him back, he calls me back, and After 2 mins is yelling at me when he informs me Ive picked the wrong product type, im in a multi unit, the website isnt confusing or deceptive and my product type is listed online. I hang up as he will not yell at me, I get screen prints of their website, email him, he sends an apology email telling me that Im confused, and proceeds to tell me to pick a 2 unit online even though he has referred to my product type as multi unit in both instances. Sofi website only states 4 product types for mortgage refinance ; 1 ) single family residence detached, 2 ) condo, 3 ) 2 unit, and 4 ) pud. There is not multi unit. Sofi is trying to increase their revenue stream by forcing consumers to pay points fees by deceptive practices of not defined product types, only providing a screen print of one rate, and yelling at consumers to bully them into their product types. This is not acceptable behavior.

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 2023-04-18
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a purchase from XXXX online using my chime account on XX/XX/XXXX. Part of my order was picked up on XX/XX/XXXX and the rest was cancelled leaving a remaining balance owed to me of {$28.00}. XXXX settled the transaction on XX/XX/XXXX, but instead of Chime returning my funds to me, they input the {$28.00} as a separate transaction from XXXX in my account. Instead of a refund my account now shows XXXX XX/XX/XXXX, XXXX but I did not make any purchases at XXXX on XX/XX/XXXX. Chime now says they take XXXX business days to return the money, even though on their advertisements they claim to never hold money. I would like to report them making fake transactions on accounts in order to hold funds from consumers longer than necessary. I contacted XXXX to verify the funds were released and they contacted chime with me on the phone. The XXXX agent confirmed for the chime agent that they released my money on XX/XX/XXXX, but the chime agent kept saying there was another transaction on the XXXX. The chime agent did not do anything except tell me to wait XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I recently had a loan payed off with Caliber Home Loans. They charged for accrued interest on my payoff thru XX/XX/XXXX. I have proof from my new lender that the payoff wire was sent to Caliber before their XX/XX/XXXX cut off time of XXXX XXXX CST. They owe me {$29.00} one days interest. I spoke to their customer service area on XX/XX/XXXX, XX/XX/XXXX and they insist they received on XX/XX/XXXX. I think there business practices are deceiving and unlawful. Attempting to collect addl unnecessary interest days is incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2021 Ive had {$40000.00} taken from me by Citibank. I was told that my account would be closed and I had to wait 30-60 days to receive any money but XXXX is coming and this put me at a major disadvantage because now I literally have no money until Im able to clear up my account.

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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I filed a dispute on my credit report. Showing inaccurate and unauthorized accounts and inquiries.

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 2021-01-26
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a some money deposited into my citi bank savings and checking account when I tried to get it out they said they closed my account for fraud theres no way that was a fraud that was 2 months ago and they havent sent me any check in the mail for my money every time I call they give me the run around its a pandemic going on and I really need my money!

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 2023-04-22
Company: EQUIFAX, 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:
I am submitting this CFPB Complaint to bring to your attention a matter of great concern. Upon reviewing my credit file, I have discovered several files that are not mine, indicating a potential compromise of my personal information. As you are likely aware, under section 605b of the FCRA, it is legally required that any account found to be opened due to identity theft be removed promptly. I have filed a dispute and provided the necessary FTC Report and the bank 's records, as required by law. While I appreciate your attention to this matter, I would like to request that you provide me with any documentation that you possess regarding these accounts. I understand that according to the FCRA, you are required to verify the accuracy of the information contained within my credit file, and I would like to ensure that all accounts listed are indeed true, accurate, correct, complete, and verifiable. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference Number XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX EQUIFAX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you determine that any of these disputed accounts are indeed mine, I would appreciate receiving copies of any documentation bearing my signature, as it would greatly assist in my understanding of the situation. In the event that you are unable to provide me with satisfactory documentation to support the accounts listed in my credit file, I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I noticed on my credit report a hard inquiry of XXXX XXXX for months ago and I would like to dispute it since its a closed account, paid off, and not in use anymore please and thank you

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 2021-12-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express denied my credit application for their XXXX XXXX XXXX credit card. They mailed me a letter dated XX/XX/2021 stating they can not approve my application at this time due XXXX  my XXXX score. According XXXX  the EQUAL OPPORTUNITY CREDIT ACT 12 C.F.R 1002.2 ( c ) REGULATION B ADVERSE ACTION- American Express committed adverse action upon me by refusing XXXX  grant me credit. American Express has severly discriminated against me according XXXX 12 CFR 1002.4 ( a ), XXXX  has inflicted discouragement upon me according XXXX  12 CFR 1002.4 ( b ). American Express has mailed me numerous credit advertising letters with offer codes, XXXX  still denied my application. These are also federal violations according XXXX  the FCRA. According XXXX  15 USC 1602 ( p ) American Express has committed unauthorized use of my credit card, XXXX I did not receive any benefit. 

REFERNCE NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were originally serviced by XXXX XXXX. On XX/XX/XXXX, I submitted the attached form to XXXX XXXX in order to request loan forgiveness. Based on previous work experience, this would have put me at 120 payments. I called XXXX XXXX and they verified that all my employment verification paperwork was correct and that I had 120 payments required for forgiveness. 

XXXX XX/XX/XXXX, my loans were transferred from XXXX XXXX to MOHELA. It took approximately 3 weeks for my loan information to show up in MOHELA 's website. When the information did show up, it showed that there were 111 payments that were eligible. 

Payments from XX/XX/XXXX until XX/XX/XXXX are marked as " Employment Not Certified '' even though the attached document clearly states that I was employed at a XXXX XXXX during this time. Payments past XX/XX/XXXX ( XXXX XXXX XXXX  ) have been approved and I have not changed employers during this time. 

I called MOHELA on XX/XX/XXXX to ask why the payments did not come over, and they stated to upload the PSLF Application again to their website in order to verify the form was correct. The customer service representative further verified that I had enough payments and that it was filled out correctly. I was told that it would take up to 90 business days in order to process this form. 

Around the end of XX/XX/XXXX, the form went from a status of " Processing '' to " Processed ''. I waited a few days for the website to reflect the additional qualifying payments, but it remained at 111 qualifying payments. They still did not count the payments from XX/XX/XXXX until XX/XX/XXXX. 

I called MOHELA on XX/XX/XXXX to voice my concern about the payments not being correctly applied. I stepped them through the process, and the representative agreed with me. The representative told me that it would go back into " Processing '' and would be reviewed within _another_ 90 business days. 

This is now 6 months of waiting on a correct form to be approved. Multiple agents have verified my paperwork and employment. Instead of processing the form, they are purposefully delaying me 90 business days whenever I speak to them. 

This is an unfair business practice. I have jumped through all of their hoops and my forgiveness just keeps getting pushed further and further into the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: Conn's, 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:
On XXXX, there is a unauthorized inquiry from Conn 's on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: DC
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 contacted XXXX XXXX XXXX ( XXXX XXXX XXXX ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with Covid19 and having to take care of many who are not working. XXXX finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, XXXX reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that XXXX  provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES AcXXXX, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: GOLDMAN SACHS BANK USA
State: SC
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:
XXXX was first complaint. 
Greensky is in a class action law suit over these occurances. 

I rec 'd a letter stating that they were correct, however, this was resolved on my wifes account and I have an actual letter stating that the balance was at XXXX  Not one payment was ever made over a discrepancy with the work that needed to be done. Even though they sent paperwork that we did pay some payments. Then we rec 'd XXXX balance letter from them. This should not be on my credit report. This is why they are in a class action law suit.

Company response to consumer: Closed with explanation