BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I complained that XXXX XXXX did not have my permission to access my credit per previous Complaint # XXXX. XXXX XXXX replied back they have disputed the inquiries with their client. If XXXX XXXX made the inquiry, why do they have to dispute with their client????? XXXX XXXX is on the inquiry and I did not give another company permission to access my credit. Why are there third party agreements that I am not aware of? And why does Transunion allow third part agreements that consumers are not aware of? TWO COMPANIES NOW HAVE MY SOCIAL AND PERSONAL INFORMATION! Why does Transunion give another company permission to access my credit information without my permission??? Do all large companies in the US disregard the American people and laws until someone says something?

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 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2018-02-09
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:
My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.

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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX*********** I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not 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 2020-01-25
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:
THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF THEM.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 2020-01-26
Company: EQUIFAX, INC.
State: NC
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 information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I declared bankruptcy in XX/XX/XXXX and included my XXXX XXXX XXXX  from Credit Acceptance Corporation. Last year, I sent them a letter asking them to release the lien on the vehicle or come get it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
-I purchased item on XX/XX/XXXX from XXXX. 
-Seller shipped wrong specification of item, and I notified seller that I would not accept the delivery if seller did not cancel order -Item was still delivered to XXXX, CO, USA via XXXX via tracking # XXXX -Item was signed for via neighbor without permission, at fault of shipper XXXX  ( please see emails from XXXX on XX/XX/XXXX, alongside voicemail transcripts ) -Given this, shipping service picked up package from neighbor, and returned to seller. 

To summarize : this is an item that I am not currently, nor ever have been in possession of item. 

This billing dispute has been reverse/and re-opened several times since initially opened in XX/XX/2020, and have spoken to CITI multiple times per week ( alongside supplying all documentation from shipper that item was XXXX ) however they have not made any further assistance on billing dispute, and feel as though CITI is not doing due diligence on resolving charge

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 2018-09-19
Company: Castle and Cookie Mortgage LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The Castle & Cooke Mortgage Co denied the loan and never send the paper work to FHA due my legal status, they said I'm not qualify for buying a house, they told Mr. XXXX XXXX contact me a 1 month ago stated that in order to buy a new house I need to sell the current one, so I sold my because he told me that everything will be ok but 3 days before my closing for the new house he denied my loan due I'm not a citizen, this is descrimination I have to expend money that I never have to use due his acts, XXXX XXXX approve my Loan in less the 3 hours, I bought my house trough them. 
Castle and Cook Mortgage start with illegal questions about inmigration, I'm legal on USA since XXXX, and I bought my first house on XXXX, this is not a good company to do business with, I lost more then {$3000.00} due this guy because just 3 days before we closing he decide not to follow the process. SO HOW IS POSSIBLE THAT XXXX XXXX APPROVE THE LOAN IN LESS THAN A DAY AND CASTLE & COOK TOOK MORE THAN A MONTH TO DETERMINATE TO APPROVE MY LOAN, THEY MAKE ME SELL MY HOUSE AND PROMISE THAT EVERYTHING IS OK AND CHANGE EVERYTHING IN THE LAST MINUTE, THEY DUE THE SAME THING WITH OTHER 2 XXXX IN THE SAME MONTH, PLEASE INVESTIGATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: PNC Bank N.A.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied online for a line of credit through PNC secured by a XXXX mortgage on our home. I provided information to support my income that I reported including personal tax returns. I have been a partner at a law firm for 13 years. PNC insisted on getting not just my personal tax returns but returns for our entire business which would expose sensitive personal information for other partners. I explained to PNC that the K-1s are the equivalent of W-2s in demonstrating my income. Our firm does not distribute our partnership tax returns because they contains personal info for all partners. Our COO did not understand why the partnership returns were relevant to underwriting my income for a home equity LOC. The PNC " supervisor '' ( XXXX ) said that she was unwilling to even speak with the firm COO and that in order to move forward with the home equity LOC I needed to provide the firm tax returns and divulge all the personal information of my other partners in the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello Consumer Financial Protection Bureau, Im writing you today in regards to my New York and Company Runway Rewards Credit Card. Consumer Financial Protection Bureau, could you contact conduct an investigation of my New York and Company credit card account to determine why New York and Company closed my New York and Company Runway Rewards Credit Card account? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: MN
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:
The following XXXX  XXXX XXXX XXXX Credit Card Account : XXXX listed on my XXXX  and Experian credit report, is a fraudulent account, and the result of identity theft. I did not apply for the XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted dispute inquiries to Transunion LLC through a certified letter on XXXX XXXX. 
The letter was received certified mail on XXXX XXXX, I received a letter stating the the explanation of the inquires on my credit report. It stated the inquiries listed on my credit report are a record of the companies that obtained your credit information. It did not state an investigation was going to be made into the inquires even though my letter stated that I requested an investigation of the inquires. After a phone call I was told that there would be no investigation into the inquires. file 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
Consumer complaint received 2018-09-19
Company: RentDebt Automated Collections, LLC
State: OH
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:
Hello Sir/Madam, Since XX/XX/2018, I have had the misfortune of dealing with rent debt collection LLC.  They reported an account in collections on my credit report. They claimed the account was delinquent in XX/XX/2018 after my brother moved out of his apartment where I had cosigned him. Contrary to standard practice in the industry, they did not contact me or my brother to request the amount they claim we owe. 
When I filed a complaint with your agency earlier this year, rent debt claimed the apartment complex had sent a request for my brother to pay this debt at XXXX XXXX XXXX, XXXX. I find it hard to understand the reasoning behind a landlord sending mail to a tenant at the address the tenant just vacated. This landlord should have known the tenant will not get that mail as they no longer lived there. 
I contacted XXXX XXXX at XXXX XXXX XXXX about this supposed debt. To my consternation, she reported to me my brother owed {$72.00} and not the {$270.00} they have been reporting on my, and my brother 's credit reports. XXXX also went on a ramble about how my brother had spoken to her rudely while he was living there. After my conversation with her, I deduced this individual was trying to settle her personal scores with my brother using the credit reporting system. I filed another dispute with XXXX reporting agency, and sent them XXXX XXXX e mail to me, stating a debt amount of {$72.00} contrary to previously reported numbers so they could understand that this was all fabrication from this individual.My hope was that rent debt LLC will investigate this matter more thoroughly than they have done in the past, and clear it up once and for all. 
Apparently, someone at RentDebt LLC is not doing their job as they should, and still reported this debt as accurate - even with email proof of the discrepancy in the debt claimed by the supposed creditor. 
I am coming to you because I believe in your mission to protect us consumers. I do not think XXXX XXXX should be allowed to settle her personal scores with people using the credit reporting system. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

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 2020-05-22
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:
Ive been cosistent paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I dint understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital One officially told me today that they lied to me and it will not be 7-10 days to process my application for the Walmart card. They are now saying it will be an additional 10 days, which would put it at 22 days to process. The Capital One/Walmart partnership has been a disaster that has led to customers being trampled on. Nobody will provide an outcome for me, I've been lied to about a time frame, the customer service representatives are incompetent and the company is completely unaccountable. First they say 7-10 days, now they are saying 22 days, it is all just lies. Capital One must process applications appropriately or have their ability to issue credit revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions 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:
LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: MoneyLion Inc.
State: VA
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 checked my bank account back in XXXX and noticed a deposit of {$100.00} to my main, personal checking account from MoneyLion. I had never heard of this service before this date. There were many other fraudulent issues on these accounts as well that have all been resolved except for this one. I tried to reach out to them, which is nearly impossible unless you have an account there, and I was directed to their fraud department. 

I don't remember this exact date, but it was some time in early XXXX. I was told I would receive information to send back to them and this was never sent my way. 

On XX/XX/XXXX, I called and got a fraud case set up for me and they sent me information to fill out. I sent them an email to the email address they provided with questions regarding the documents required on the XXXX. In this email, they explicitly stated I had 15 days to return all these documents. 

On the XXXX, the same day I sent my questions, I got an email saying the case has been resolved/closed due to lack of response from me to the company. I then sent another response to that email saying I had questions that didn't get answered and then asked if my case was actually resolved or if they were just closing it for inactivity - even though there was activity. 

On the XXXX, I received another email claiming a different ticket was closed. Again, no questions were ever answered. 

I was reaching out to them to begin with because the account that was opened in my name is late and is hurting my credit score. I have filed disputes with the 3 main bureaus and I am concerned that they are going to reach out to MoneyLion and MoneyLion will claim that I haven't tried to resolve it with them - even though I clearly have. Another concern of mine is the fact that they have a different amount than what I see. I received {$100.00}, they have that it was {$150.00}, but my credit report is showing approximately {$500.00}.

Company response to consumer: Closed with non-monetary relief