BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2021-04-08
Company: U.S. BANCORP
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:
XX/XX/2021 - Credit pulled by USBANCORP, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by USBANCORP. 

I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. 

XX/XX/2021 - I called USBANCORP and they suspect fraudulent activity. I also called XXXX  and they recommended I submit a complaint.

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 2021-07-12
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX My wife and I requested a prequal letter from US Bank to purchase a home. On XXXX the Loan Originator issued and forwarded us a prequal letter with an interest rate of 3.205 %, everything was going good at this point and we looked for homes. On XX/XX/XXXX the Loan Originator sent me an email to see how the home search was going. On XX/XX/XXXX I responded to Loan Originators email indicating that the resort like retirement communities we were interested in purchasing at did not use a conventional loan for the purchase as there is a land lease agreement. On XX/XX/XXXX the Loan Originator responded indicating that they could do lease hold properties. On XX/XX/XXXX I responded to the Loan Processor that we were looking at a manufactured home in XXXX XXXX XXXX, and that the land lease was {$720.00} per month. On XX/XX/XXXX the Loan Originator requested the address of the property. On XX/XX/XXXX the Loan Originator sent us a prequal letter. On XXXX we made an offer on the property at XXXX XXXX XXXX. On XXXX the Loan Originator send an email indication that the property that we made the offer on was not eligible for financing. On XX/XX/XXXX I contacted the Loan Originators manager, she admitted that there was a mistake made on their end by the Loan processor, but, there was no process within US Bank that she could use to remedy the situation. So now, we are in a contract to purchase the home and the best finance rate we can find is 5.5 % and the monthly payment is too high, as I am XXXX and am on a fixed income.

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 2019-06-01
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
In response to complaint # XXXX on XX/XX/2019, American Express falsely stated : We show a XXXX XXXX purchase for {$300.00} posted to your account on XX/XX/2019. We reviewed the charge and based on XXXX XXXX criteria, it was determined the charge in question did not match a XXXX XXXX. For this reason, a {$250.00} statement credit will not be issued. We understand how important these types of credits can be to our customers. We regret any frustration this may have caused.

This is completely incorrect. Per the rules of the credit ( attached ), I selected a hotel from the list published at XXXX. The confirmation I sent with the original complaint matched this ( attached again ). I have complied with all rules of the credit and expect a refund. If American Express comes up with another lie, I will initiate arbitration as American Express is violating its policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection debt appeared on my credit report that I had never heard of, or was never notified of the debt. My daughter had an outstanding XXXXXXXX XXXX XXXX account that was disputed but was never resolved. The only time that I had an association with XXXX XXXX XXXX was when I moved to South Carolina and the internet was with XXXX XXXX XXXX in XXXX. But I never missed a payment. I filed a Not Mine through XXXX XXXX but they said the debt was verfied. I request proof that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I submitted a dispute to Equifax, XXXX, and XXXX regarding inaccurate information on my credit report. The disputed items are as follows : Despite my submission, Equifax, XXXX, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. 

I'm reaching out to you today because I'm really upset with Equifax, XXXX, and XXXX - the three main credit reporting agencies. 

The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on [ date of request ]. 

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). 

I'm really at my wit 's end here and I'm hoping you can help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$170000.00} XXXX XXXX {$2500.00} XXXX XXXX {$550.00} XXXX XXXX {$2800.00} XXXX XXXX {$420.00} XXXX XXXX {$500.00} XXXX XXXX {$0.00} XXXX XXXX {$390.00} XXXX   XXXX {$500.00} XXXX XXXX {$31000.00} XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED 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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of 1st delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was always able to receive and send money via Paypal then suddenly I was asked to provide my bank statements and identification ( passport ), which I actually did provide. Later they limited ( I could not withdraw, send or receive funds ) my account for a period of 180 days which ended on XXXX XXXX. On XXXX XXXX at XXXX pm CAT I was sent an email that stated that I could withdraw my funds unfortunately, I am still unable to withdraw my funds. I really don't understand why I still can not withdraw my funds even after trying to reach out to Paypal support via email, inbox and even XXXX. I seek your help to look into this, this is the Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amerifinancial solutions have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed, false reporting collecting on behalf of another collection company and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Amerifinancial solutions. Amerifinancial solutions does not have a certificate of Authority to do business in Alabama. Amerifinancial solutions have not sent me a dunning letter but they have put a fraudulent account on my credit report.Amerifinancial solutions do not have the authority to collect any money from me.Amerifinancial solutions is guilty of racketeering, forgery, and obstruction of justice.Amerifinancial solutions is in violation of the FDCPA and FCRA Violation of XXXX XXXX XXXX ( XXXX ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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 have XXXX student loans opened in my name as well as about XXXX inquiries. I've took the steps to file the correct reports and send the documents. However, the CRA 's left XXXX student loans and about XXXX inquiries on my reports. I need the to remove the rest of the items listed.

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 2023-01-09
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I paid my mortgage to Mr. Cooper ( mortgage company ) for XX/XX/XXXX. On the XXXX I was checking with them because I noticed it was still in my credit union and they said it had not yet received it on the telephone with this young lady I have made the transaction to give her the mortgage I noticed on my bank statement on XX/XX/XXXX my bank pay the mortgage from the check that I sent on the XXXX. So I called them back and I talked to the young lady she said that she would have my money refunded and she called my credit union and we were on three way with my credit union I gave her my routing number my bank number and everything like that she said I should receive it back at the bank within 24 to 48 hours never received it today I call I talked to a gentleman he keeps me on the phone for over an hour I'm holding and waiting all this time he's checking the information out that I'm giving him I even found out on the automated greeting when I first call that I was up to date because my XXXX mortgage was also paid so they had three mortgages and I don't have money I had to pay bank cards for checks that bounced and everything over {$100.00} I need my {$1000.00} back after all that time I stayed on the phone with that gentleman he comes back and tells me that they have the electronic transaction that I made with the young lady on the XXXX they had the money paid for the check XXXX check number they have the mortgage that came in on the XXXX for XXXX, but in order for them to refund me my money for one month I need to send them my bank statements and a canceled check for the XXXX check number when I told that man after all this time I waited on this phone that's just too much there's got to be a better way while I was waiting for that man on that phone I was crying because I had a feeling that it wasn't going to work out for me and I'm going to see what I can do if it's writing the XXXX XXXX XXXX and Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It has been over 45 days, and I have not been notified or updated of the status or results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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:
CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX BELOW NOT CORRECT : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ^^^ NOT CORRECT ADDRESS ^^^ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$27000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$440.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX XXXX {$19000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX {$1100.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$5300.00} XXXX FCRA violation. How is this verified? Not mine. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX, XXXX {$200.00} 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 2020-11-28
Company: EQUIFAX, INC.
State: NJ
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:
This company is dodging their duties and telling me that they don't think I was the one sending my previous complaint. I have atatched a selfie of myself holding my ID to verify that it is me. Please verify everything so I can finally start to remove these negative items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXXXXXX XXXX  # XXXX, XXXX  XXXXXXXX XXXX  # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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: Account information incorrect

Complaint:
CFPB + TransUnion, This complaint is in regards to many inaccuracies on my TransUnion credit report dated XX/XX/2023 that need to be corrected. 

Attached to this complaint are : - My drivers license- shows my identity and address - My written complaint detailing each incident with proof Please have these corrected as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19 I called Capitol One and made 3 payments to catch the account up-to-date per emails and regular mail I received.

XX/XX/19 {$120.00} XX/XX/19 {$120.00} XX/XX/19 {$120.00} The woman that I spoke to at Capital One repeated all the information and the dates and they were correct.

That evening I went to dinner and was unable to use my debit card and I was sure that I had enough money.

The next day I checked my account on the phone and {$120.00} was taken out by Capital One as of XX/XX/2019, which I did not authorized. This caused my account to be overdrawn, an overdraft fee of {$37.00} applied to my account and to have no money left that I had allocated for groceries and gas.

I called Capitol One and they were able to put money back into my account. But to call my bank and it was up to them how long it took for the money to be returned to the account. My bank said the way Capital Bank took the payment out, they could not control how fast the money would be returned to the account.

Finally the last person I spoke with gave me the fax number of the corporate department, but I was not allowed to talk to anybody in that department. I did sent a fax on XX/XX/19.

The bank 's customer service is horrendous. I have been calling back and forth and have spoken to several people : 1 woman cut me off, 1 woman left me on hold for over 15 minutes, 1 senior manager was condescending and threatening.

I fail to see how it could take Capital One only a few hours to get the money out of my account unauthorized, but it would like a week or more to have the money returned to me. It should be directly returned to my account.

Company response to consumer: Closed with monetary relief