BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
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 T 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 n 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 n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im 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 explanation
Consumer complaint received 2023-02-05
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: Their investigation did not fix an error on your report

Complaint:
Incorrect balance reported on my XXXX XXXX credit card. Its being reported from old info Im over my credit limit. See attached STATEMENT

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 2023-04-07
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Opened a new US Bank checking account with promotions. Account was opened. Initial deposit was taken from my ally bank account on XXXX XX/XX/2023. Got an email that account is all opened ... but no communication or information provided to me like Account number or routing # or anything. 

Today called US Bank, lady asked all the information and then transferred me to XXXX. XXXX was able to help me but told that promo code is not applied I have promotions tied to this 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 explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
See attached doc detailing how XXXX XXXX  Reinserted a previously deleted negative erroneous account back onto the my consumer report. After researching my rights in this matter I see that my rights have been violated in this regard as the consumer law states as follows : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-04-07
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Thank you in advance for your help in this matter, in short, Rocket Mortgage or it's affiliates stated they would inquire on my XXXX XXXX time and they inquired 12 times or more without my permission in less than 30 days. 

Rocket mortgage told me don't worry that my credit is no longer affected by their errors or fraudulent inquires because they are a year old... but they are still affecting my credit score in a massive negative way. 

The excessive inquires started on XXXX and went through XXXX " Rocket Mortgage also told us that even though they should not be effecting my credit score they will not write a letter and remove these erroneous excessive credit pulls because they might be affecting my score. '' This is the only thing that is affecting my score negatively and my score is XXXX points lower for a year and a half and has cost me in many ways including higher insurance, higher credit card rates, loss of benefits, reduction in work opportunities and reduction in ability to qualify for community service work such as foster care respite care. 

Please help by requiring Rocket Mortgage to write to all three credit agencies and remove all but one of their hard inquires that they state shouldn't be affecting my credit anyways, but clearly it is, after having a credit expert review my entire financial status. 

in friendship, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : 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 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 Please delete the following inaccurate phone numbers : XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX  By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights 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 2022-11-25
Company: EQUIFAX, INC.
State: GA
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 to fair credit reporting act the following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC168. 
XXXX account # XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section A. states that I have a right to privacy 15U.S.C 1681 section 604A section 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) secret also States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antdates the report by more than 7 years.

15 USC 1681s2 a1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account with Chime was closed for no specified reason on XX/XX/2022. I've tried contacting Chime by phone multiple times and they're no longer accepting my calls and it takes days for them to respond by email about a dispute that was processed incorrectly by a banker, the final result of the dispute, and I've also tried reaching out to them for statements on my credit card account, checking, and savings, I have not heard back from them. I want a specific reason why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Robinhood account to these fraudulent investment companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Truist Bank ( email : XXXX ) RE : Loan Modification Agreement # XXXX for XXXX XXXX XXXX, XXXX, Connecticut XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX I informed the Truist Bank that I, XXXX XXXX XXXX, who is co-owner of the property XXXX XXXX XXXX, XXXX, Connecticut XXXX, I could not and would not sign for a Loan Modification Agreement XXXX XXXX had applied for without my prior knowledge until the Friday of that following Monday when the documents were due to be submitted. I personally called Truist Bank and informed them but to my surprise I just learned these past few days that XXXX XXXX admitted to having my forged my name and found an notary public who fraudulently witnessed and notarized the loan modification agreement which XXXX XXXX then submitted loan modification agreement to Truist Bank Mortgage Department. I believe the notary public is from the XXXX of Connecticut. I am making a complaint against Truist Bank, the XXXX XXXX Connecticut XXXX XXXX XXXX Department. This is criminal act, and we can not have individuals conducting criminal acts against individuals.

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 2023-04-12
Company: EQUIFAX, INC.
State: OH
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 recently obtained a copy of my credit report and found XXXX XXXX XXXX is reporting on my credit report inaccurately. According to 42 US Code 1320d-6 WRONGFUL disclosure of individually identifiable health information, this is a VIOLATION OF CONSUMER RIGHTS! 

This must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I receive my XXXX XXXX Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to XXXX XXXX about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.

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 2023-04-07
Company: Resurgent Capital Services L.P.
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:
I recently checked my credit and seen LVNV FFUNDING LLC reporting

2 collections on my credit report one for {$750.00} an another one for {$2000.00}. I dont know this company or never did business with this company. This company doesnt have any contract or written signature of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX XXXX for my car from an XXXX vendor on XXXX XXXX XXXX XXXX XXXX number XXXX, XXXX vendor XXXX located in XXXX, XXXX Vendor has been very cooperative, nice people. 

Wrong part was supplied. 

I returned the part, the vendor received. I have XXXX documentation proof. 

The vendor refunded to XXXX. XXXX refuses to return my money. 

I expected Discover card ( card used ) to stand up for me as XXXX would and has done several times. 

After months of back and forth, Discover refuses to refund my money. That is a lot of money for my wife and I ... all we have is social security We're out XXXX. Don't have product or money. I've done everything I can think of other than this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I deposited {$7400.00} of XXXX Formatted USDC crypto currency into my Binance.US account address on XX/XX/2023 Binance.Us customer support stated the network was incorrect. 

Under their Website page of supported assets and networks, it states XXXX format is accepted for USDC crypto , giving no other description of network in which XXXX can be sent i.e XXXX  or otherwise. 

Binance.US does have the currency in their possession. In my wallet address on their exchange. The balance amount of {$7400.00} has not been released into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime gave someone access to my account whi then stole money from XXXX have been a victim of identity fraud by Chime. On XX/XX/XXXX, someone stole XXXX. 2 days prior, I received text messages asking me about support rating. Thats when I realized that someone is trying to hack my account. I opened the chat and wrote, please help, I think someone is trying to hack my account. I got the response that someone would call me. I never got that call. The next day, when I attempted to log in, my password had been reset and I had an email saying that I sent XXXX to an email XXXX at XXXX am. While I was sleeping. They even went in and left a chat saying I need a loan XXXX transferred XXXX from my XXXX savings at XXXX, and then sent {$1000.00} at XXXX to the XXXX. This means that someone called into chime, and was allowed access to my accounts.They changed my information and passwords! I have disputed this twice and I keep getting denied saying no error occurred! I also filed a report with FTC for identity fraud as well as locked my bank accounts. I do not know whom this person is that took my money nor do I know how they were given access other than by Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I completed my annual employment recertification form and submitted it to Mohela on XX/XX/XXXX. Today I checked my account to see if my eligible payments have been updated and Mohela canceled my for certification form and says it was duplicate. I have not submitted another employment recertification form, I do this process once a year to have my qualifying payments updated. I have been on the XXXX program for about 6 years now so I am very familiar with the process of submitting my forms and rectifying my employment. I contacted Mohela today ( 6 XX/XX/XXXX ) and the customer service agent had no explanation for why my form was canceled. He told me he would submit it for review but the process is 90 days to review. If this takes 90 days that would mean it would take over 180 days to process my singular form to which I have no switched employers since XXXX. I simply need my payments updated. For some reason they have listed all my payments since XX/XX/XXXX as " employment not certified. '' However my form I submitted clearly shows my employment should be certified. After doing research online others have experienced this same issue of having the form canceled without notification or reason. Others have cited that after calling to ask for a re-review of the form they have a new entry in the documents received section on Mohela with the date of the re-review request. I do not have that at all or any communication other than a verbal communication that it will be reviewed. If there is nothing in my account that flags attention for review, I don't have faith it will get reviewed. My payment count right now says 44 where it should be updated to account for XX/XX/XXXX to present. That is a huge difference in qualifying payment count. It should be an easy update as all I need to show is that one form because I have not switched employers during that time period or since XXXX. I have two issues here- I have no verification that my request to have it re-reviewed is in effect and secondly I should not have to wait another 90 days when Mohela canceled my form. Mohela should expedite this form as its been in the system for over 90 days already and is a simple one page document saying I am currently still employed at a qualifying employer since 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 2023-04-07
Company: Rozlin Financial Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX sent my personal debt to my parents. I do not live there nor have I ever lived there. I am XXXX XXXX XXXX adult. How dare you disclose my private information to my parents when I am a legal adult. How DARE YOU?! Notice sent on XX/XX/28 by XXXX of Rozlin Financial Group!!!! HOW DARE YOU STOOP SO LOW TO EMBARRASS ME?

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 2023-01-12
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: Information belongs to someone else

Complaint:
I recently pulled my credit report and was shocked and upset to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from credit report as 15 U.S Code 1681 is law please honored law and remove the negative items attached to my report. I am a victim!

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