BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
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:
I have been disputing errors found on my credit reports with XXXX, XXXX, and TransUnion since XXXXXXXX XXXX XXXX. There are misspellings of my name, addresses I have never lived at, and accounts that are not mine listed. I have disputed with the bureaus via certified mail on a monthly basis. Despite my many attempts to have the errors removed/updated I have not gotten the investigation results that the bureaus are supposed to send in the mail. Without these results, I am unaware if an investigation was completed, or how they verified the information if it was. This in itself is a FCRA violation and warrants the removal of these errors. I will also list the errors below for your convenience. Please see the attached documents for further in-depth detail regarding the accounts in dispute : 1. XXXX XXXX XXXX XXXX XXXX Not my account 2. XXXX XXXX XXXX XXXX Not mine, and is falsely reporting as an open account which is a FCRA violation 3XXXX XXXX XXXX XXXX XXXX  Not mine , and is also falsely reporting as an open account which is a FCRA violation 4. 2 XXXX accounts- Neither account is mine and I have not seen validation 5. XXXX XXXX XXXXXXXX Not mine

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 2017-03-02
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I was going thought one broker ( XXXX ) then they said there was an indemnification issue and they needed to change to a new lender ) Mean While XXXX at RP funding talked to me be said the indemnification is not an issue he was also aware I was 90 past due over a year ago ( just shy of 30 now ) he offered me a great rate XXXX plus they were paying the closing cost.. Once the underwriter got the file the exact issue I told him about I was denied for after weeks of asking what 's wrong with no clear answer. Once they cam back to me they started to tell me all sorts of things like I was 5 months past due and it was a conventional not FHA loan neither which were not true. I feel that this was a stall Method in order not to have to give me the rate they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On or around XX/XX/2019, Discover sent me an email for a Promo APR of 1.9% for 9 months on new purchases.  I clicked through the link and got a message that I was enrolled.  Around 5 weeks later, on XX/XX/2019, I received a second email with the same offer.  Immediately after receiving this second email, I sent a message to Discover to ensure that the purchases I made in reliance on the offer from the XX/XX/XXXX date were subject to the promotional offer.  I was told that they did not have a record of me clicking through (which I most certainly did as I advised my mother who I support to make purchases, when she could, with Discover given the promo rate). They said they could not apply it retroactively but that it would apply starting the next day, XX/XX/2019.  Thus, I now have nearly $1,000 in purchases (as I had no previous balance on the card, or it was paid in full every month), for which they should be applying the promotional rate but are not.  Furthermore, Discover does not give any confirmation, other than the screen when you click through, that the rate was applied.  Thus, at no point was I advised, until receiving the second email, that the offer did not go through (when the web page very clearly said it was activated).  This is deceptive and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have approximatley XXXX dollars deposited with the investinganking app Robin Hood . About XXXX  months ago there was some un authorized access and attempted transactions on my account so Robin Hood froze my account and asked me by email to send in documents verifying my identity such as statements, drivers license, etc. I sent them everything they asked for and they say they dont need anything else from me. They recieved all the documention over a month ago and over these past few months I have contacted them at least XXXX times asking for my funds to be made available to me.I still dont have any access to my funds. I called again last night and the lady told me the same line that they have been telling me for months " that a review team is looking over it. '' She would not explain to me what is going on and would not give me any indication of how much longer they planned on holding my money XXXX. I did a little research about the company and what i read has me very nervous and stressed out. Some people are saying that it is a scam company and I dont know what is the truth, when i ask questions i get hung up on by them like last night. Please help me get my funds back from them. The way they just hang up on me like my concerns dont matter has me very nervous. I have completed everything the asked of me months ago so everytime i call now its the same " review team '' story and then i get hung up on. They dont even have a customer service number i can call, i have to communicate throught the app, and most of the time they wont respond to my cal request. thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
AROUND XX/XX/2021 I NOTICED A COLLECTION APPEARED ON MY CREDIT REPORT I DISPUTED IT AND IT WAS DELETED XXXX XXXX AND NOW IT HAS REAPPEARED UNDER A DIFFERENT COLLECTION AGENCY I CHALLENGED THE ACCOUNT AND ALL THEY DID WAS UPDATE IT SO THE ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT AND THEY WILL NOT REMOVE THE INCORRECT INFORMATION. I HAVE ASKED SEVERAL TIMES. THIS ACCOUNT HAS ALREADY BEEN DELETED ALREADY AND SHOULD NOT BE REPORTED ON MY CREDIT REPORT I HAVE ATTACHED THE REPORT WHEN IT GOT DELETED AND WHAT IT IS REPORTING AS NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: NJ
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:
The company XXXX XXXX XXXX performed a hard pull on my credit on the following dates : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I want to say bout XX/XX/XXXX, I was going to payoff the loan and they told me I'd have to pay all the interest when if a loan is paid off your not obligated to pay these charges. Mind u I just got income tax and had more then enough to cover it. The guy got an attitude with me and tried to belittle me and I do have a XXXX. Then they proceeded to keep calling me harassing me after I answered and said have an fluient american speaking cause I can't understand other languages or dialects. So I told them they not allowed to call me and I still got calls from the ppl I didn't understand with voicemails for proof. I sent them a demand letter and it got to headquarters and then got even more negligent. The lady calls me i called her leaving numerous voicemails on her company call center and still nothing. Then when I do get ahold of them because I wouldn't give one piece of info they gave me a cease and desist letter. Sorry but I'm suing if your not helping with this flat out breach on many fronts. My credit dropped so bad from it unreal I can't get nothing from these cons. This isn't a company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Am XXXX XXXX Consumer, Natural person and original creditor received a called from southwest credit stating that I owe a debt.I never gave written consent for them to call and I have proof that I was called several times ( screen shot of call log and audio recording ). Pursue to 15 USC 1692d ( 5 ) this debt collector has called me several times which is harassment. they have called at very bad time the has put me in troublesome situation. Pursue to 15 USC 1692c ( a ) ( 1 ) at debt collector no not communicate at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Also, this debt was already paid for via my credit card also known as my social security card, Pursue to 15 USC 1602 ( l ) a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Southwest credit is trying to obtain money for something that was paid through my open- ended credit plan which is theft. They stated owe a debt which is a violation of my right 15 USC 1692b ( 2 ) no debt collector shall not state that such person owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
There is an account listed that is past the statute of limitations and should NOT be listed on my credit file and can not be validated. I have tried several times and even through the CFPB no response nor validation. Requesting this account below be removed ASAP 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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Paying off a non-rotating loan results in that account 's closure. Instead of maintaining that account in a credit report, all existing data is discarded. The end result for an individual is an economically damaging penalty in the form of an artificially lowered credit score. The credit agencies know this and their actions intentionally harm consumers and dissuade them from closing out loans when they are able to. This behavior should be a punishable crime. Credit reporting agencies act in ways that damage consumers ability to obtain credit and suffer no consequences.

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 2019-12-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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 opened a personal checking account with Fifth Third Bank XX/XX/2019. At the time of opening a {$250.00} promotional code was attached to my account. The terms were to deposit {$500.00} in the account within 45 days and maintain a {$500.00} balance for 60 days. I deposited {$500.00} on XX/XX/2019 so XX/XX/XXXX would be day 60. XX/XX/XXXX just 2 days from qualifying for the {$250.00} bonus, I discovered {$130.00} pending charges on my account from XXXX and XXXX XXXX which are fraudulent ( I don't purchase adult beverages ) and caused my balance to go below {$500.00}. What's strange about this is I've never swiped the card at any payment terminal or made any purchases with the card online. In fact, the debit card never left my home. I've since contacted customer service, and they are working on the case # XXXX. I am now having mixed feelings about banking with Fifth Third Bank as I've heard the exact same thing happened to other customers. I do not see how Fifth Third Bank can offer an Identify Theft Protection product when it can not protect customers debit accounts especially when the debit card never been used or left the customer 's possession.

I've been told by many others the exact situation where a debit card has been charged without ever being used occurs often at Fifth Third Bank. This seems to be a pattern and Fifth Third business practices should be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i was in the hospital for XXXX months with XXXX, hmissed XXXX XXXXXXXX and i only missed XXXX payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
These items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Good Afternoon, My name is XXXX XXXX XXXX and this is a complaint regarding two specific overdraft fees from my personal checking account at Wells Fargo. On XX/XX/18, Wells Fargo charged me two separate overdraft fees of {$35.00} each for the same incident. The first fee was labeled " NSF RETURN ITEM FEE '' and the second fee was labeled " OVERDRAFT FEE ''. Although I have a secondary checking account that had more than enough funds to cover this accidental overdraft, my own bank of twenty years authorized two overdraft charges totalling {$70.00}. When I called Customer Service to report my complaint, Account Supervisor XXXX XXXX told me that he was only able to refund half of the amount, and that there was nothing further he could do. These charges are not only excessive but unnecessary. I am requesting that I be refunded the additional {$35.00}. Please contact me if you need further assistance identifying my 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 monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Account number XXXX, Still shows on my account with a balance and balance was paid in full in XXXX Of 2023.

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 2023-03-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting an account to my credit that is past the Statute of Limitations in CO. It is really old and needs to be removed and I have been trying to get it taken off for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: NY
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:
I have been a victim of identity theft. The information being reported is not in any relation to any transaction conducted by myself.

Company response to consumer: Closed with non-monetary relief