BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Transunion Address : XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of TransUnion, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated.

Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to TransUnion resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.

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 2022-08-22
Company: EQUIFAX, 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:
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from Unknown with account # XXXX and a balance of {$75.00}. The original creditor is Unknown. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-01
Company: UMB FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement.

The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline. 

On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this.

I believe UMB is making their decision based on either racist, sexist or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my father 's account. Also, because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX  XXXX : account number : XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-22
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my wife and I discovered 3 fraudulent checks that were paid out of our joint money market account. My wife is the primary account owner and I am an authorized signer on this account. We notified BECU immediately and they froze all of our accounts without even asking if we needed to make a withdrawal first to have cash to survive on. BECU requested a series of steps including visiting a branch to sign notarized affidavit of forgery, change online banking password, and change account number of account the fraud happened on. We complied with all these steps and BECU replaced the lost funds and unfroze all accounts for my wife. However, as of today XX/XX/XXXX, which is 30 days later, they have still refused to unfreeze my personal accounts. They claim it might be an error but they havent fixed it. I have called multiple times and been placed on hold for over an hour each time. They never sent ANY documentation at all about freezing my accounts or why they are still frozen. I have been unable to pay bills or buy food for an entire month and they are completely uncooperative and unhelpful about it. It is not fair to unfreeze the primary account holders personal accounts and keep mine frozen for the SAME fraud case. It was already determined to be not our fault and money was replaced. Please help BECU understand they cant treat their customers this way! I feel this is unfair discrimination because of my gender since this is the only difference between who they unfroze accounts for and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: AZ
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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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
Consumer complaint received 2022-06-07
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Upon entering the Ford dealership in XXXX we were there to lease a vehicle for our business. We told the dealership what we wanted and everything was a go. Even had us put down a {$100.00} deposit to hold the vehicle. Upon agreeing and after the payment was taken we were told Ford wants to go with a smaller vehicle but that would serve no purpose to us as a business which ww stated and on top of this now there is inquiry on my credit that I did not want espically if we as the consumer are not allowed to dictate the terms. This needs to be addressed asap. We have already gotten our intent to sue letter and intend to do as such if this is not addressed. Seems really bias to me. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: AZ
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 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 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 2022-06-07
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XXXX, I have lived at XXXX XXXX XXXX XXXX. in XXXX, Louisiana. In XXXX, I used Rocket Mortgage to refinance that residence. I had my monthly payments on autopay and had no issues. Bills were paid on time. In XX/XX/XXXX, XXXX XXXX destroyed that residence. I used Rocket mortgage to borrow money for an apartment in XX/XX/XXXX. When i asked to set up the monthly mortgage payment on autopay, Rocket Mortgage said that I could not pay the first month ' s note on autopay, but would have to wait till I received the the bill then pay with a check. Since I was changing addresses and recovering from the loss of my home, i am not sure when or where that bill was sent to me. Once notified, I paid the bill then enrolled in autopay through my bank. The bill has been paid regularly since. This resulted in a ding to my credit score which I feel is not fair. Had I been allowed to enroll in autopay initially, this would have never happened. Now my credit score is low as a result. I am told by Rocket mortgage that nothing can be done to rectify this except waiting many months or years for my credit rating to slowly correct itself. I am seeking assistance on this matter. The only other dings on my credit history happened several years ago when I went through a divorce and my ex wife had credit card charges that went unpaid for some time. 
I can be reached at XXXX XXXX XXXX if any further questions arise. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a business account on XX/XX/2020, I did this because I had a personal account with them. I made a total of 9 deposits the same day, 1 ) {$100.00} cash, 2 ) 8 checks totaling approx {$850000.00}. I sent online banking with no problems, XXXX at the XXXX XXXX XXXX in XXXX, FL called me Monday and stated they need a few more documents. Tuesday XX/XX/2020, I went to the Branch to give XXXX the requested documents. On Wednesday XX/XX/2020 I was unable to log into my online account. I Called and spoke to XXXX, she stated the bank decided to terminate the banking relationship on my personal and business account. I asked why and got an " I don't know ''. I asked about the 9 deposits and when I can come in and get a bank check. She stated she would call me. Well I waited a couple of days, then decided to drive there and speak to her. She stated that the bank sent the checks back to the maker. I was dumbfounded!!! WHY??, I asked, she said she doesn't know. This was  XX/XX/2020. I tried to call customer service the same day, was on hold for ever, finally got a representative on the phone explained the situation and they refused to speak to me. On XX/XX/2020, I called the maker, they stated that they never received anything from TD Bank, in fact the checks cleared their account XX/XX/2020. On XX/XX/2020 I went to the branch, only to be told I had to make an appointment and it had to be made online. On XX/XX/2020, I submitted the request, received an email confirmation, stating a representative would be contacting me to set up a day. Today is XX/XX/2020 and I have yet received that phone call to set up the appt.. Because of this I decided to file this complaint along with a XXXX  complaint. What TD Bank doesn't realize, is that our banking relationship is not completely terminated, not until I get my money back. This is sickening with what they do to any consumer, it's especially disturbing with the Covid-19 destroying businesses and TD Bank is right there with Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
This report is for Experian Small Business Credit Report Service. 

I have been attempting to remove a Judgement from my Company 's Credit Report since XX/XX/2022. When I first attempted to get my free business report, they told me I wasn't elligible. So I purchased the Subscription to monitory my report monthly... I submitted a ticket to remove the judgement and sent them the documents showing the Judgement was not correct or owed. 6 months later, they told me that the judgement was correct and closed the case. I opened a second case to start the process over again. Still no response. 

They constantly give very little information or some direction on how to remove the judgement from our record that is not correct. They don't answer their emails and very rarely answer the phone or if they do answer they just say they are working on it. We won the case in court that shows on our record... but for some reason they still show that we lost the case. I have been unable to secure a line of credit for my business at a decent rate at a time when I need it most. I need help. This is damaging our business. I don't know how to get our record cleared at this point.

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: Experian Information Solutions Inc.
State: WA
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:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Chime Financial Inc
State: VA
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 bank with Chime. On XX/XX/XXXX, a transaction from XXXX for {$39.00} was fraudulently authorized on my checking account. I told Chime about this, they did an investigation and determined it was not fraudulent and I would not get the money back, even though it was fraudulent and I didn't authorize such a transaction. 

Then, on XX/XX/XXXX, another {$39.00} was taken out of my account by creditscorereport.co. Again, I contacted Chime and they did another investigation and again did not give my money back. 

When I asked for proof that I authorized the payments, they sent me a page with information I told them about the transaction. There was nothing showing proof I authorized the payments, because I didn't. I have attached the " proof '' they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CORELOGIC INC
State: NY
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:
In accordance with the Fair Credit Reporting act Credco, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

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