BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is the second complaint that I write today. I recently filed a complaint about XXXX XXXX XXXX They closed my account without investigating the crime that I reported to them. 
When I opened an account in another bank, the criminals who already knew my information, returned to do theirs. This time, they sophisticated their behavior. They made me a job offer through XXXX and then ended up contacting me through a supposed XXXX  account. Everything seemed correct. 
As you will see from the documents I provide, they impersonated an existing identity to send me emails. This time I did several checks on the person 's existence and everything. And it turns out that everything was false, as you will see in the achievement of emails that I contribute. This had serious consequences for me. They sent me a fake check that the new bank, Fifth Third Bank, accepted. Consequently, that account was also closed for me. My credit history continues to be severely affected as a result of these events. 

It is important that entities better train their employees on fraud. They can not treat clients as accomplices in a crime of which they have been victims. They must check the documents well, in this case, check the checks well, analyze them. I went personally, delivered it, and saw how the employee received it without taking any action. The check looked authentic. The entity accepted it, but as soon as they realized it was false, they closed my account. 

Here I provide the email history of the alleged person who hired me and sent the check. It arrived one day in the morning before XXXX, in the morning, before starting my work, I received it through XXXX. They know that at that time people are running from home to work and that is how it was in my case, I handed over the check. I looked at it and saw that it said my name and the amount. 

But the most important thing is that this person knew that I was going to receive that same day in my account at that bank my reimbursement of the University of more than 7 thousand dollars. In other words, I was counting on the check to go into an account in which there was money. He means, he knew exactly how much money I get for my XXXX  studies and when. In other words, there is a gap in the system that worries me, since they are federal funds. 

What I demand is that they review my credit history, my rating, and constant that this fact affected him a lot, and that is there until 2025. I have studied hard, I want to be a XXXX  XXXX, I have to repay my university loan. My credit history should not continue to be so tainted by situations beyond my control. Banks must take an active role in the matter, create guarantee mechanisms. It is very unfair too. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went online at XXXX ( XXXX ) to request a credit report from Trans Union. All went well until I was asked what county I lived in in XXXX. It did not have XXXX, which is correct, but contained XXXX. I indicate 'none of the above '. I was denied a Trans Union Credit Report online. Previously, I had a bad experience with identity theft/credit card fraud dating to XXXX. XXXX fraudulently filed credit application ( possibly XXXX XXXX ) used a bogus XXXX, NY address. My complaint is how can I correct misinformation, if it is used to deny my access to a credit report that provides a procedure to correct misinformation. I have pending a Trans Union Report by mail - up to 15 days turnaround. I called XXXX ( from the XXXX website ) to make the arrangement. They did not ask confirmation questions as the website. The reason I requested the report is that XXXX XXXX website indicated that there was a " hard pull '' for a report from Trans Union. So, I requested a credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is failing to provide me the information provided to them saying it is valid i am Requestion the Transunion provides me with the proof of these ACCOUNTS that they says is verified within the day that they have i want the copy 's from transunion telling that this account is mine if they can they by the law they have to get rid of the 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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written Transunion several times via U.S certified mail and called. They have not corrected the incorrect information on my credit report. I am a victim of fraud ; I have advised Transunion of that, they did place a fraud alert on my credit report but failed to investigate the claims I submitted to them about unauthorized inquires. I have XXXX credit do and to contact Transunion. Transunion reported the inquiries and have no proof that I authorized my credit to be ran and the companies that Transunion is reporting are saying they have no record of me in their system or applying for any credit. They refuse to delete inquiries that have been placed on my credit report by Transunion, even some that have been ran serval times in the same day by the same company. Transunion advised me to contact the companies. I have contacted each company and they all say, I have no account with them so there is no record of me in the system so there is nothing they can these inquires that are harming my credit.

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 2016-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I need to know why my trans Union score keeps going down I have been faithfully paying on time I may have missed XXXX purchased furniture but my credit was up and i need an explanation

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 2016-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I never lived on XXXX XXXX. My sisters name is on my credit report. XXXX XXXX is my little sister

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 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The refuse to take any action to remove the fraudulent 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 2016-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refinance in late XXXX. I got rates from a few different lenders and went with Guaranteed Rate as they quoted me the best offer. After submitting all of my documents I was made aware of a mistake on my XXXX & XXXX tax returns regarding my rental income. I was then instructed that to fix the errors I had to file amendments. I verified with the loan specialist that this was necessary and would make a difference because if not I wanted to go with another lender. I was assured this would be the same anywhere I went and since rates were about to go up it was best for me to stay with them. So, I did exactly what they said which was amend my tax returns for XXXX and XXXX. They also said I must file them with the IRS in person, pay for any outstanding taxes, and get the amendments and proof of payment stamped. Once that was done I resubmitted my tax returns to them and then was told that they were denying my loan because they would n't accept the amended tax returns because they said I just made it all up just to get the loan. Interest rates are now much higher and my credit score has now taken a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There was a breech to the system of Transunion. Some inquires were removed but put back on without notice or explanation

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 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I had a number of identify theft issues in a 3 month span. Someone tried to file a tax return in my name, I received a credit card in the mail I did n't order and I received a letter saying my information may have been compromised. I was advised by the IRS to contact the XXXX credit reporting agencies and put alerts and holds on my accounts. I unwilling signed up for services with Transunion and was charged a monthly fee. The whole process was confusing and at no time was it apparent that I was signing up for paid services. I cancelled the subscription and was compt XXXX fee, but not all. To date the only money that I 've lost due to " identity theft '' has been to TransUnion for their dubious business practices and misleading information. 

Dealing with identity theft is confusing. TransUnion preys on that confusion to make money. I 'm sure their business practices are technically legal, but it 's an unethical and horrible model. I think that if people are being steered towards them for help they should not be able to set traps.

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 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was a victim of Trans union in XX/XX/XXXX i look on my credit 20 inquiries was removed from my credit report but the same day they reinserted back again and never properly informed in writen in 5 days also in XX/XX/2017 11 account was removed but on XX/XX/2017 was reinserted back in my credit report and they didnt informed me i call trans union and talk to costumer service and informed about the problem but they only told me that nothing and try to talk another think that i didnt ask they dont help full i send then a dispute letter certified on XX/XX/2017 for dispute inacured accounts they are in violation of the Fair credit reporting act section 611 they never send me any letter to let me know about this in attach you see when was removed and when was reinserted also the certified letter

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 2015-08-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX 2010 I co sign for my son s car payments have been made till toda y XXXX more payments are due to paid off the loan today I received a notice that my credit score has drop by XXXX? points the loan is up today allied fin I think is out of control or the people they employee. Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
These accounts should not be on my credit report. 

Credit Inquiries XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX OF XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX # Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry 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 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgement on my Trans union and XXXX accounts and I 've stayed with my parents since XX/XX/2008.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am contacting your agency because I have sent Transunion letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX, XXXX, XXXX, and XXXX. Please help me in getting Transunion to remove these liens from 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 2017-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This additional information/dispute is related to CFPB Case number : XXXX : While transunion lowered the balance on the collection account, they did not remove the account from my credit report completely, which is what they should have done. I was a patient at XXXX XXXX in XX/XX/2016. They filed a claim with my insurance agency and sent me a final bill of over {$2000.00} ( see attached ). My insurance company sent me an explanation of benefits statement showing that I only owed {$310.00} ( see attached ) to the provider, not {$2000.00}. I repeatedly contacted the company told them to send me an updated statement ; they never did. So, on my own, I started paying only the {$310.00} balance in XX/XX/2016. I sent my payments to the address on the statement. Every payment came back undeliverable due to a bad address ( see attached XXXX online bill-pay messages ). Meanwhile, the company still refused to send me an updated bill showing that I only owe {$310.00}, and not the {$2000.00} they tried to swindle out of me. In XX/XX/2016, I was contacted by XXXX regarding this account. I was shocked and I told XXXX the entire story about how the company had never sent me a correct statement, and how I still tried to pay them the {$310.00} which I knew I owed, but the payments were returned undeliverable. I told XXXX I had all of the documentation. They told me that I 'd need to talk with a supervisor and that someone would call me ; no one ever called. I finally called them and stated that I was going to call XXXX XXXX again to get this resolved. They informed me that as long as I pay the account by XX/XX/2016, it would not impact my credit. I was furious at even the suggestion that this would impact my credit. This is a travesty and because of the bogus account hitting my credit report, I 've been unable to purchase my first home.

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 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a dispute with all XXXX credit bureaus ( Transunion/XXXX/XXXX ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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 2017-04-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan servicer is Navient. In XX/XX/2016 I applied and was placed into an " Income-Driven Repayment ( IDR ) plan '' I recertified in XX/XX/2016. Instead of placing me back into Income-Driven Repayment ( IDR ) plan I was placed into a 12-month forbearance. This is not conducive in my path to repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
This week - XXXX - I received XXXX letters from Bank of America informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from {$19000.00} ( established through many years ) to {$500.00}. 
So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under {$40.00} in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were classified as adverse accounts, and one of them was because of an error from another card company. In total the default amounted to about $ XXXX over 3 years and a lot of transactions. Whatever their guidelines to evaluate credit worthiness they are truly defective and deceptive. I had not bought a house, a boat or charged expensive items and my XXXX report shows that my accounts are OK. Even the representative I called at the bank could not believe it ; unfortunately he could not change it but wrote a claim report. The worst part of it is that this

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