BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-30
Company: Social Finance, Inc.
State: TX
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:
I submitted an application for SoFi Credit Card through the link ( XXXX  : XXXX ), which clearly showed earning {$200.00} bonus when spending {$1500.00} in the first three months of account opening. My application was approved on XX/XX/2022. I spent more than {$1500.00} with the credit card and has not yet received the bonus. I contacted SoFi customer service and was told by email that my credit card account was not eligible for the promotion bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-12-01
Company: Aldous & Associates, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had Gym membership with XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Financial ) from XXXX till XXXX. Always have paid in full ( for the entire year ) using Credit Card with explicit understanding that no account information will be carried over or no automatic renewals will be made. Never had issues before. 
Last payment was on XX/XX/XXXX ( paid in full for a year - {$120.00} using credit card ) with end date XX/XX/XXXX, XXXX again with the agreement that membership will be terminated at XX/XX/XXXX. 
Got an email from Aldous & Associates PLLC ( Debt Collections Agency ) on XX/XX/XXXX stating that I owe {$130.00} due to " missed payments '' and was sent to collections. 
Went to XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX to inquire and was directed to XXXX XXXX XXXX ( XXXX ) to cancel the account / erroneous charges. 
XXXX XXXX XXXX still have my Account info on file, however, informed me that they're unable to cancel my account/ charges due to having sent to Debt Collections without informing or notifying me. It is highly unethical to try to charge after my gym membership ( for which I had prepaid ) ended on XX/XX/XXXX. And, it is highly unethical of XXXX XXXX XXXX to send my info to Debt Collections trying to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. the accuracy of my credit report in unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts, are listed in the files. please review and remove the listed items immediately.

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 2022-09-21
Company: Delta Management Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I, XXXX XXXX, Consumer, HEREBY ORDER Delta Management Associates Inc, to CEASE AND DESIST all communication through any medium directly or indirectly. This is my first and last warning, anything after this I will file a lawsuit in Federal District Court with Prejudice! XXXX XXXX ALL RIGHTS RESERVERED UCC 1-308

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 2022-08-22
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved to the XXXX apartments XX/XX/XXXX my lease ended XX/XX/XXXX! Never missed a payment. I decided to renew my lease they stuck a packet in my door to fill and submit back XX/XX/XXXX I submitted back the forms and took a picture of me handed the packet back because I know things are half done around there. So management failed to contact me Ill walk everyday to see if anyone in or call in and theyll tell me that theyll try to get in contact with him so he just went ahead and moved out in XXXX and turned in the keys to whoever was on duty XX/XX/XXXX my neighbor stated that they found a 5 day to vacate to move in XXXX mind you I already moved out ; so I had to show up for eviction court and I go charge for months I didnt occupy the unit! I wrote and sent certified letters to validate debt, and the last letter they signed for XX/XX/XXXX with the proof of documentation where I wasnt charged for XXXX and where the storage and uhaul was purchase so no one havent gotten back with me yet! And they sending emails thats ending up in my span than send out letters like they instructed too!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: ME
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 Accounts, XXXX XXXX, Account number XXXX XXXX Account XXXX XXXX XXXX Account number XXXX has 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 an 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 explanation
Consumer complaint received 2022-06-30
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Personal information incorrect

Complaint:
Contacted companies before but nothing got solved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Account # XXXX, and XXXX Account # XXXX has 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 explanation
Consumer complaint received 2022-06-27
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: Account status incorrect

Complaint:
Reporting XXXX XXXX, Equifax and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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 fraud alerts or security freezes

Complaint:
I have been trying to remove a simple credit freeze on my credit report for the past week. I am not able to access the option via the TransUnion website because it says the option is unavailable. Typically this is an issue due to maintenance but this has been ongoing. I DEMAND THIS FREEZE TO BE REMOVED IMMEDIATELY!

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 2021-08-03
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021. United Wholesale Mortgage ( UWM ) is responsible for paying my taxes and home owners insurance from my escrow account. Although they collected the escrow from my mortgage payments submitted, they never paid my insurance. I received a notification from XXXX XXXX  that my insurance was cancelled due to lack of payment. I notified UWM through their customer portal communication channels and attached the letter of cancellation from the insurance company. I contacted XXXX XXXX Directly and made the payment directly from my checking account. I had to work with the insurance underwriters and sign a waiver that stated during the time I wasn't covered and to the time the insurance was reinstated, I incurred no loss. Thankfully a loss didn't occur during that time the policy had lapse, otherwise I would have not been covered. UWM knew the renewal date for my home owners insurance yet never paid the policy. The renewal date was clearly visible on my Escrow account profile on their website.

Since I had to pay for the insurance out of my own pocket, I contact UWM on XX/XX/XXXX to request a refund of the money they collected through escrow for the insurance they never p [ aid. UWM refused to refund me my money, and several days later, after the insurance was already paid and reinstated on my own, they sent a check to the Insurance company for the coverage that was current at a zero balance. This was a deceptive effort by UWM to conceal the fact that they never paid the insurance. They attempted to cover their mistake by sending XXXX  XXXX a check, long after it was already resolved. XXXX XXXX sent me the money that they received from UWM, yet it took almost a month to get my money back.

Still to this date have not gotten a response from UWM regarding the XX/XX/XXXX communication with the attached cancellation letter from XXXX XXXX. UWM is deceptively trying to conceal the error on their side. 

I requested UWM to remove my portion of the insurance handled by escrow and told them I would manage my insurance myself. They refused and keep quoting PMI rules. This is a VA loan and I have no PMI obligations on this loan. Every time I call UWM I get a different answer from a different representation. Since UWM records call for quality assurance as part of their customer support line, I started recording the calls personally. I have several recorded calls with UWM representatives contradicting each other on the same call.

UWM is consistently mismanaging mortgage loans and banking transactions. Just recently they had a major issue with unauthorized withdraws and deposits into customers bank accounts, causing overdraft fees and other charges to customer accounts. Their mortgage financial solution is poor at best. One of my original complaints was their inability to handle my escrow payments and balance, consistently making corrections because of their financial solution is so poorly designed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: MO
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2022 XXXX XXXX XXXX XXXX please remove fraudulent unauthorized inquiry from my report or provide proof within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by someone claiming they had legal documents that were returned to them using my current address. She said to contact the attorney at XXXX using case XXXX XXXXXXXX regarding a civil lawsuit. 
Upon calling this number, I spoke with the " attorney, '' who claimed I was being sued for {$13000.00} for a Citibank Credit Card allegedly opened in XXXX. The settlement she offered was {$1800.00}. When I pressed for more information, such as the principle balance and other details -- seemingly amused, she laughed and scoffed. I questioned her about what was funny, and she sarcastically stated she was trying to help but was not forthcoming about any details. 
I did not open a Citibank visa in XXXX, and the address she provided at the time the account was opened was an old address from which I moved in XXXX. I mentioned I do not know such an account. I enjoy exceptional status with my current and up-to-date relationship with Citibank. I doubt I would be approved and issued the credit card I have with them if I was in arrears with them. Further, it is bothersome that they have personal information, including SS #, address, and phone #, attached to this false claim -- which has never been on my credit report and is XXXX XXXX XXXX. 
Further, she claimed and was implying that they would continue action against me if I did not settle this debt. 
This episode is not the first time a collector has attempted such an action. Looking at previous claims in my history, you will see that three different law firms have tried the same tactics for Citibank. 
XXXX, XXXX, and XXXX is the name of the current firm.

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