BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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  Account # 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.

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 2019-11-25
Company: TOWNE MORTGAGE COMPANY
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage statement only lists one mortgage company ( AmeriCu Mortgage ) -  there are two mortgage companies affiliated with our mortgage loan ( AmeriCu Mortgage and Towne Mortgage ). 

XX/XX/XXXX - contacted AmeriCu today - they sent a statement two days ago stating we owed late fees of {$61.00} as listed on the statement. Upon reviewing our account online and speaking with the representative I was informed we are late because we make payments bi-weekly online. But, the Towne Mortgage and AmeriCu Mortgage ( they use the same online system ) allows for biweekly payments and I have been paying in this manner for years. The representative further stated that I ' can not ' make biweekly payments and that is why I owe them additional money, and that the XX/XX/XXXX had not been paid. Further review of my payments ( via their online system ) indicated they have been applying my mortgage payments to PRINCIPLE which makes it appear I am not payment the mortgage. The issue ; they online payment system breaks the payment up and allows for additional allocation to principal, which I tend to make payments towards principal each month ( from {$10.00} - {$50.00} ) but, never for hundreds of dollars. When I asked why the mortgage payments were NOT applied as I indicated on the payment system, the representative did not have a valid response and basically stated, again, that it was my fault for making biweekly payments - I asked to speak with a supervisor - the rep stated the supervisor was not in until XXXX XXXX. 
As stated on the call today, our payments are paid one month in advance ( in biweekly payments ). We are NOT late on our mortgage. 

My husband is a XXXX veteran. It is my opinion this mortgage company is attempting to take advantage of our funds and this VA mortgage. 

Representative name : XXXX Supervisor name provided : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XXXX 2017 I went to XXXX XXXX 's website to apply for a XXXX XXXX  STORE Credit Card. 

I was directed to a application form used for BOTH the STORE Credit Card and XXXX Credit Card. 

While terms for both cards are shown, there is no indication on the page that I would not get to pick which card would be opened for me. My intention was to open a STORE credit card and not a XXXX credit card. 

Upon submitting the initial application web page a XXXX credit card was immediately opened in my name without being given the option to pick. 

I immediately called the company and requested the card be changed to a store credit card. They did so by closing the XXXX account and opening a new STORE account. 

In addition to this unwanted kind of credit being issued, this resulted in unnecessary account opens and closures on my credit history.

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 2018-06-03
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2018 I purchased a Netspend prepaid XXXX card with {$170.00} cash for the express purpose of paying a bill online. I chose the Netspend prepaid card because it was a couple of dollars cheaper than the Prepaid credit cards it was on display with. It was a Saturday and my bank was closed so I was not able to delposit cash into my bank to pay the bill. I thought that purchasing a prepaid card with a small fee would allow me to quickly pay the bill online. 

After purchasing the card I immediately went online to activate it, per instructions on the card. I then proceeded to use it. The card was declined. I called customer service. I was on hold for over 10 minutes. Customer service rep verified my name, date of birth, and social security number. He then apologized and said I would not be able to use the card or have access to funds. I was shocked and dumbfounded and asked to speak with a supervisor. 
After being placed on hold again I was transferred to a supervisor. The supervisor told me there was nothing he could do and I would not be able to use the card or have access to my funds.

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 2022-06-17
Company: EQUIFAX, 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX XXXX Account XXXX XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I XXXX XXXX, a federally protected consumer have attached the notice that I have sent XXXX XXXX credit bureau operations team and legal department on XX/XX/2022, and a 2nd notice on XX/XX/2022 - Certified Mail # : XXXX XXXX XXXX XXXX XXXX WITH NO THIRD PARTIES INVOLVED. XXXX XXXX has received both notices and has failed to respond. This account is in dispute '' with the company '' and the company has furnished another updated inaccurate charge off account XX/XX/2022 while in dispute which is a direct violation. Please read attachments.

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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX/XXXX/XXXX Using information provided by Federal Trade Commission XXXX XXXX XXXX, I tried to obtain my FREE Annual Credit Report from TransUnion. After completing the requested/required information I received " System Error '', " We are experiencing technical difficulties.... ". Then a screen popped up " Thank You! Mark your calendar, so you remember to come back in 12 months! '' With all the problems with hacking in the world today, I would think that someone wanting to make sure that their credit was n't being ruined could expect more than this. 

Is this also a scam, is there really a breach at XXXX, or are the " Credit People '' just trying to put another scare into law biding citizens and trying to get more money out of them by getting them to purchase XXXX XXXX, XXXX XXXX, etc. programs.

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 2019-11-25
Company: EQUIFAX, INC.
State: NY
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:
I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I been having trouble removing a fraud alert from Transunion for over 45 days. they keep giving me the run around. I want to get this done asap. this has caused me frustration.

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 2018-06-03
Company: Experian Information Solutions Inc.
State: NY
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:
There is an account from XXXX XXXX ( XXXX ) that is showing on my experian credit report. I have sent validation and verification letters to both experian and XXXX XXXX requesting to show proof that this account is mine multiple times and neither company has done so. That account was put in my name without my consent and I am a victim of identity theft. I have filed a police report for fraud and even sent that to experian and they still will not remove this account from my credit. This is illegal if the credit bureaus can not proof to me this account is mine they must delete it. It is extremely hurting my credit worthiness and hindering from obtaining the credit I would like to get now.

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 2022-01-17
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-07-03
Company: Experian Information Solutions 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 am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the Experian major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: NJ
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've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my Experian and XXXX, XXXX XXXX XXXX XXXX, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired onXXXX, XXXX  Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES

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 2022-01-17
Company: EQUIFAX, INC.
State: NJ
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:
This company did not receive my written instructions to furnish the following accounts on my consumer report. They are violating the Fair Credit Reporting Act by furnishing information on my consumer report without permissible purpose. This company is an elaborate mechanism which has a need to insure they're exercising their grave responsibility with fairness to the consumer. I have not been treated with equity/fairness. These accounts must be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo continues to operate under abnormal and shady practices. I received a letter on XX/XX/2022 about claim # XXXX. Previously this claim was resolved back a couple month 's ago, I was sent a previous letter from Wells Fargo Explaining they had completed their investigation and confirmed that an error DID occur. These are fraudulent transactions. Wells Fargo had stated in that letter that the previously issued credit on the CLOSED checking account ending in XXXX was resolved and that the credit was final. However now I am receiving a letter from Wells Fargo that states we have completed our research and based on the information " Available to them '' the charges were made by Me " False Accusations '' or someone who had my supposed permission. This is not true. I never Authorized these transactions. Wells Fargo previously resolved this claim and then month 's later is going back into a closed account and telling me they are going to deduct {$230.00} that they expect me to pay for fraudulent charges. on XX/XX/2022. This account has been closed for well over 90 days. I will not be paying fraudulent charges. I do not agree with this especially since Wells fargo previously sent a letter stating an error DID occur now they are counterdicting themselves. This is shady how they are treating people.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Incorrect accounts and inquiries were attributed to my file that i have No knowledge of nor benefited in any way

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 2017-09-10
Company: EQUIFAX, INC.
State: TX
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:
Equifax was hacked and lost millions of personal data, mine included. The fact this company can have such critical information stored without being properly secured has put me at risk for identify theft. The offer of 1 year credit monitoring is inadequate because my identify may be stolen 5-20 years from now. The company should be offering lifetime credit freeze/monitoring to the people affected. 

Further, Equifax allows you to freeze your credit for 90 days but that can be unfrozen with a PIN which can be reset with the same information that was already stolen. 

Finally, the failure to notify customers in a timely matter that the company was hacked put me at risk without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NC
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:
A few months ago the credit bureaus announced all over national media that collections {$500.00} and under, and also collections that are PAID would no longer report on consumer credit reports. I have a collection from XXXX XXXX XXXX XXXX reporting on my Equifax credit report. I sent Equifax a letter about this collection that is PAID OFF and was only for {$79.00}. They made a promise to the general public those would be removed starting XX/XX/XXXX, I looked at my Equifax credit report and that collection is still reporting after my letter and as of today XX/XX/XXXX it is still reporting. It looks like Equifax is going back on its promise to the general public. I have sent them another letter today to remind them of this promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MS
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, 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 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 XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
This is an unauthorized inquiry.

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