BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
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:
Ive attempted to put a freeze on my credit information held by TransUnion five times, and TransUnion declines to comply with my request : - Their web site declines to accept valid information, referring me to a phone number instead - After navigating a tree of menus, I am put on hold for many minutes, then disconnected.

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 2023-09-07
Company: UMB FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I received a text asking if I had purchased {$700.00} at a XXXX XXXX I then received text asking if I had spent {$230.00} at XXXX XXXX restaurant. Immediately I responded to these and said no that was not me. These charges were made in Florida and I live in XXXX California. XXXX has been terrible accusing me I feel of being the one who has done this. I am now homeless because of this and they have not responded to anything I've requested today XX/XX/2023 they told me the case is closed and that I should not expect any reimbursement for the {$980.00} that was fraudulently charged to my debit card. I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this situation. XXXX has had no compassion and have told me on numerous occasions that they could no longer do business with me and that all of my accounts would be closed immediately. I have followed every rule or order that they have asked me to do I have gone into the branch provided them my social security card along with my debit card and my California driver 's license. There are so many things on my cash management account that are unexplainable. Deposits in the amount of {$11000.00} and one for {$4000.00} that I have no clue what they are and they show rejected and were made on the mobile app. There are so many discrepancies and XXXX would not talk to me any further today when I talk to the representative about a direct deposit from Social Security XXXX he told me that there was no attempt made. I've spoken with Social Security on two occasions and they have reassured me yes they did make the attempts to deposit the check at XXXX. They are now doing a tracer on my deposit. XXXX has left me homeless I lost my apartment because I could not make a payment I'm going to lose my storage because I can not make a payment my credit has gone down tremendously because I can not make credit card payments. XXXX has treated me terribly and I have never had problems with them before. Please help me I'm desperate I am homeless and I am scared. I'm a XXXX XXXX XXXX man with a XXXX XXXX and have already had XXXX XXXX XXXX and undergone XXXX XXXX XXXX XXXX XXXX. Please help me to recover this fraudulent money that was never reimbursed to me. I've never had any problems with XXXX up until now, and I am so upset with their lack of compassion. The left doesn't know what the right is doing and the fraudulent team have not helped at all. Please help me recover this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
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:
The Federal Student loan shows multiple loan accounts for the same amount and duplicates on all of my credit bureaus accounts. The accounts are showing paid as agreed but there are at least XXXX repeat accounts. This reflects my reports and cause a negative score because it make it appears I have a high amount of accounts on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; FACTUAL DATA, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
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: Information belongs to someone else

Complaint:
This Bankruptcy accountis being reported on my credit report as if they are the furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When logging into XXXX XXXX, I noticed a drop in my credit score and then immediately looked for something that may be impacting my credit to find that I have a collections account. It lists the debt associated with AFNI and also show original debtor as XXXX XXXX XXXXXXXX I'm unsure if this means the phone/internet provided XXXX XXXX XXXX in which I have no had an account or services with them since sometime in XXXX. I do not owe any past due balances with XXXX XXXX XXXX or any other provider/medical etc. This is not a lawful debt practice as I have no idea what this debt is even for or from really. Just my guess based on minimal information I could see via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely XXXX, XXXX and TransUnion, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Reporting the wrong information to credit report personal name

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is to request you to remove inaccurate information from my credit report. Such inaccurate information has affected my chances of getting loans and credit. For your convenience, I have supplied a list of inaccurate accounts below. 

I hereby request you to make the changes within 30 days so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report at the earliest. 

Thank you for your time, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is portfolio recovery from Pennsylvania, calls at least 5 to 6 times a day always from a different number. Ive answered numerous times only to be hung up on, has called me everyday for the past month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, Ive been receiving none stop phone calls from this number with NO voicemail early mornings everyday from XX/XX/XXXX to now. They have to remember that we still have to WORK and cannon answer the phone. I work in the medical field which requires a high demand of my time. I also receive a lot of spam calls. If you do not leave a message or if its not a phone number I recognize I do not answer. Creditors can also contact me via email which has not been done. Then j check my credit report on an account that has been closed since XX/XX/XXXX stating I missed a payment which knocked me down XXXX?? Im not understanding this process.

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 2020-07-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a message from Chase that two of my mortgages are enrolled in their Covid 19 'Payment Assistance Program ' and that the program has just been extended on these loans for another 3 months because they didn't hear from me. However, I never signed up for this program and I do not want it. I initially inquired about this program but decided against enrolling. Because I never enrolled, I don't know what the ramifications are to my accounts but I am worried it might have an effect on my payments or interest charged or some other aspects of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-08-14
Company: Experian Information Solutions 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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$2400.00}

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 explanation
Consumer complaint received 2023-09-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Debit was charge for unauthorized amount from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies are reporting information from accounts i didnt open. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: ALLY FINANCIAL INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
For almost year now I have been emailing, calling and mailing physical letters to Ally to send me information on home loan that is part of a divorce proceeding and they send me nothing. If you actually do get to talk to a human they transfer you and then disconnect you. This is now my XXXX complaint I have had to file in hopes they will send me the information I requested and need as my ex spouse could care less what happens with this loan and I am trying to fix the issues

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