BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to request that you delete the fraudulent hard inquiries listed on my TransUnion credit report. I have recently become aware of these inquiries and believe that they are a result of fraudulent activity. 

The following hard inquiries were made without my knowledge or authorization : XXXX XXXX XXXX  ( Bank ) XXXX XXXX, 2023 XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, 2023 XXXX XXXX XXXX  XXXX. ( Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX  ( Bank ) XXXX XXXX, 2023 XXXX XXXX XXXX ( Bank ) XXXX XXXX, 2023 XXXX XXXX  ( Finance ) XXXX XXXX, 2023 XXXX  XXXXXXXX XXXX XXXX XXXX Finance ) XXXX XXXX, 2023 XXXX XXXX ( Auto ) XXXX XXXX, 2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX - XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX  ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX Bank ) XX/XX/20XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2023 As a victim of identity theft, I believe these inquiries were made fraudulently and should be removed from my credit report. I did not authorize any of the inquiries and have not applied for any credit products or services with the listed companies. 

According to the Fair Credit Reporting Act, consumers have the right to dispute any inaccurate or fraudulent information on their credit reports. I am exercising this right and asking that you remove the fraudulent hard inquiries from my TransUnion credit report as soon as possible. 

I have also taken steps to protect my identity, such as placing fraud alerts on my credit reports and monitoring my accounts for any unauthorized activity. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your time and consideration. 

Sincerely, 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 explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: MI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  ) ( ACCT NUMBER : XXXX ) Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States A consumer Reporting agency can not furnish 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 than seven years.

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

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 items which 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 block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$0.00}

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 2023-12-15
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing number:XXXX ; an account number : XXXX acct My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of XXXX law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-16
Company: EQUIFAX, INC.
State: FL
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:
I have identified accounts on my report that are a result of identity theft. I have not given Equifax, XXXX, or XXXX written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX # XXXX Acct. XXXX XXXX XXXX XXXX # XXXX. I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and aforementioned codes and laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX I received a letter from my Mortgage Service provider, XXXX XXXX, that my loan would no longer be serviced by them and would be serviced by a company named RoundPoint Mortgage. This was the third such change in providers since I refinanced the loan just a year earlier. How many times can a loan change service providers in a year? It's ridiculous. Even more problematic, was that I never received a notice from the new mortgage provider by mail. 

I did on XX/XX/XXXX, the day before my mortgage payment was due receive an email ( not US Mail ) from RoundPoint informing me that my loan number had changed and that once your loan has fully transferred on XX/XX/XXXX I needed to complete three actions to make the transfer as seamless as possible. Why, though, am I, the customer being asked to take actions, when all they need to do is sent me a paper notice telling me what I owe and who to send it to? Instead, I was forced to create an online account to figure out how much I owed and when. 

Two months passed with no paper invoice received from RoundPoint. I had to log in to know what amount was owed. The user experience is terrible, and it took me days to figure out how to actually see a copy of the invoice in PDF. What I discovered troubled me. The address listed on file was an old address I haven't lived at for over a year. How could they not have the correct address that my former loan servicer XXXX XXXX had on file? It's almost as if they were hoping I'd never get the bill so they could charge late fees and better yet for them, forclose on my property and make a XXXX XXXX XXXX in profit from a short sale. 

I feel RoundPoint is putting a huge burden on customers to figure out how to pay and stay current on their bill and maybe even purposely sending mortgage bills to the wrong address in the hopes of profiting from them. I sent an email of complaint to RoundPoint a week ago, asked them to update my address on file and send me a proper paper bill. All I've received in return are two form emails back that haven't answered my request. I suspect thousands of other customers are having issues with Round Point. I'd like to have by loan serviced by XXXX XXXX again, or another loan servicer who actually knows how to treat customers.

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 2023-06-20
Company: TD BANK US HOLDING COMPANY
State: FL
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 returned items and the bank is charging me for things I never received but I submitted proof of the fact I never returned the items. I even have one I did not complain about from XXXX in a supplement. They have refused to credit me from XXXX XXXX and XXXX XXXX. They left off a bil of XXXX from XXXX but the bank is trying to cheat me out of my money as everything was returned to these people but they are refusing to give me credit for these purchases. I am enclosing letters from the bank and proof of non receipt on these items. I am out thousands of dollars for things I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was a victim of a series of multiple attempts of fraud using my identity that followed an armed robbery on XX/XX/2022. A hard inquiry from SyncB/JCPenney appeared on my credit report, to which I made several calls to the company to get information on an attempt to create an account using my credentials. Though I was able to retrieve an associated address over the phone, I have since been unable to retrieve a hard copy, even after the detective in my case made a call himself. I was told to write a letter to a given po box to address the issue, but I have had trouble getting an update on the matter over the phone and I have not been able to verify if I will be receiving my requested documents. The detective is requesting hard proof of the said address and other information involved in the fraudulent attempt to create an account via SyncB/JCPenney.This information is needed to identify a potential suspect who was involved in the armed robbery.

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 2023-02-19
Company: EQUIFAX, INC.
State: LA
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:
XXXX {$15000.00} ; I did a voluntary surrender in XX/XX/2022 and they waited 3 months to pick up the vehicle and started submitting my account as late payments XXXX. {$750.00} ; the original amount of the purchase was {$490.00}. They lied about the open account date ; this account is due to come off my credit report They have never upgraded the payoff my home which was paid off in XX/XX/2022 which was {$75000.00}. My credit score never increased after this payoff Remove the Hard Inquiries which I did not give written consent

Company response to consumer: Closed with explanation