BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 appreciate the immediate action done by the Credit Bureaus to remove some of the fraudulent accounts and information that have been reported on my Credit file. However, I noticed that there are still fraudulent accounts and information that are reporting on my Credit file. I have read that under the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus are still reporting the disputed accounts without properly verifying the disputed accounts. I am submitting this account to request the Credit Reporting Agencies to remove the disputed accounts and information that are still reporting on my Credit File. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$55000.00} XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

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 2022-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter to midland credit management and XXXX bank to validate debt on XX/XX/2022. I have sent a demand letter with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Selene Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Selene Finance in XXXX. I did not choose them as a mortgage partner, but they were thrust upon me and have been terrible to work with ever since. 


In this case, I was never made aware of an escrow change, and an increase in my monthly payment for XX/XX/XXXX. I have an automatic payment from my bank which paid the original amount due on XXXX aqnd XXXX of {$4200.00}, apparently {$50.00} less than the new payment amount ( {$4200.00} vs {$4300.00} ). I didn't know about the increase in escrow for the XXXX payment as well. Instead of applying the payments and letting me know about the escrow deficit, Selene put the entire payments into " unapplied funds '' and showed those payments as not being made at all. Missed payments were reported to the credit bureaus. When I did find out about the escrow shortfall, on XX/XX/XXXX i sent a payment of {$100.00} that same day and was also told any late fees and charges would be waived. I have since been on calls for hours, been routed to a supervisor 's voicemail only to never have calls returned, had a dozen dropped calls, and basically gotten nowhere through their customer service. I have since found out that my credit score has been negatively impacted, that the late fees were never taken off my statement, and that Selene 's reporting processes have lost me financing I am working on for investment properties I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT TREASURY  XXXX and XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a debit card from Discover bank. I have never applied for or had any type of account with Discover. When I told them I did not open any accounts they said that someone had my full name, address, email address, date of birth and social security number and opened one checking account and three money market accounts on XX/XX/XXXX. The person at Discover said she was reporting this to the Fraud Department and the accounts will be locked. Today I received welcoming letters from Discover dated XX/XX/XXXX and the request to change the email address on the accounts from my current email address to a gmail account unknown to me. The fraudster changed my email address to : XXXX. In XXXX someone opened three XXXX accounts XXXX XXXXXXXX XXXX and I had to go through a similar process. I am very concerned now that this has happened for a second time and Discover told me that someone has my social security number and date of birth as well as address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2022 I deposited a check for {$130000.00} into my Chase Bank checking account. This was physically done at the bank location at XXXX XXXX XXXX XXXX, XXXX, CT. Somehow Chase posted this transaction as a debit rather than a credit and I woke up to my checking account being overdrawn by {$130000.00}. It took multiple phone calls, hours on hold, and much frustration before they finally corrected this. Meanwhile my account had been frozen, and items ( such as my utility payments ) were returned unpaid. I then had to pay service fees for each. Chase reimbursed me for the first one ( and I quote ... '' as a courtesy '' ) but refuses to pay the other 2 ( one for {$20.00} and one for {$15.00} ). These fees represent damages that I incurred due to the banks erroneous handling of this transaction. This was absolutely in no way my fault. While Chase is not able to reduce the XXXX, XXXX  and XXXX  that they caused me, nor the hours of my time that they wasted, they should at least be accountable for the monetary damages that resulted from this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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: Information belongs to someone else

Complaint:
I made and uninformed decision when I applied for this card. It wasnt clear to me. ( law 15 USC 1602 ) So the agreement is fraud and a violation. Also They dont have permission to report on my consumer report with out my permission. 

XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX  XXXX 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 XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In reference to the complaint number XXXX. The sender 's bank had sent swift messages to the fifth third XXXX times, fifth third did not reply. I received an instruction from a manager in XXXX of the branches of Fifth Third in XXXX on how to send the XXXX form and request the money back. The sender ( XXXX XXXX ) initiated the XXXX form with the instruction given on XX/XX/XXXX, up till now, I have been visiting the branch and also calling the manager if I couldn't go, but the manager is telling me they have not replied her from the fraud protection if they see the request or not. Can someone please respond to my request, please? This is a typical XXXX indiscrimination against me, so humiliating and this is totally not making sense. They are just using my weakness against me. They are just treating me like XXXX, the sender had my car already so she kinda off cares less about how my bank is treating me and I keep paying XXXX XXXX on a car that should technically be sold. I don't have the money and I don't have my car either, this is just causing me XXXX XXXX every day to see a bank treating me this way for no reason. This is XXXX dollars we talking about and the fifth third is sitting on it for this long without a reasonable reason. I need someone to look into this for me. This is so shameful to see this kind of act in the banking sector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: CA
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 account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

( 1 ) Account name XXXX  account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX account number ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2. It states a consumer reporting agency can not furnish an account without my written instructions 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 explanation
Consumer complaint received 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to unlock my credit with TransUnion after a lock had been put on my account back when I was a minor. I am no longer a minor, and did not receive any information as to why I was unable to run my credit until the 5th or 6th phone call I made. In between each call, I was attempting to receive a car loan and only found out that my credit was still locked when the bank notified me each time that they could still not run my credit. 

Each phone call I made, I was notified that my credit was unlocked and given different responses about what they did to fix the issue. The fixes they stated were that they verified my identity ( multiple times ) and removed the document from my file. 

Finally on the last phone call they notified me that my credit was suppressed ( this was the first time I had been notified of this ) and I would have to call a different support line, which was not available the day I called. I am still in the process of dealing with this issue, and have not successfully contacted the suppression support team. I will be calling them tomorrow to attempt to remediate the suppression. 

This issue has prevented me from being able to receive a car loan, and they have failed to convey the issue or why my credit is locked in an appropriate time frame. 

For reference, I made my first phone call to them weeks ago. I have been unable to receive any documentation showing what I have requested, or what they have changed on my file because they do not do emails.

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 2021-04-21
Company: EQUIFAX, 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:
There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I believe Navy Federal Credit Union ( NFCU ) is discriminating against me based upon my age ( XXXX ) and / or is guilty of false advertising- specifically advertising a lower rate when they have no intention of honoring that rate ( bait and switch ). I have called XXXX times about this and XXXX  was told that they would call me back, which they did not and the third time was told there was no assistance they could provide. 

NFCU has a published lowest new car loan rate for XXXX month loans of 2.79 %. My wife and I applied for a loan for approximately {$37000.00} in midXXXX and were given 3.19 %. I enquired as to what was driving this rate and, citing proprietary risk models, NFCU would not tell me despite repeated requests. While I understand completely the need to protect proprietary risk models, I am at a loss as to why we would be denied the lowest rate. 

For reference, here is our approximate loan information : XXXX ) Credit scores : we both have excellent credit scores. 
- my NFCU published credit score was XXXX at the time of the application- my wife 's credit score was anywhere from XXXX - over XXXX at the time of the application, depending upon the source XXXX ) Yearly income : we have a combined yearly income of approximately {$280000.00}. That comes out to approximately $ XXXX XXXX ) Liabilities : the only major liabilities we have are : - mortgage/insurance/taxes - approximately $ XXXX - home equity loan - approximately $ XXXX Given the above, I can not fathom why we do not qualify for the lowest published rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A friend sent money through CashApp to me and accidentally sent it to my old cashapp account. 
The money was sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried to receive access to my account numerous times and because I now have a new phone number and new phone as the account was linked to an older phone, they are refusing me access to my old account with no reasoning. 
Attached are screenshots from my friends experience with contacting them and mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-07-28
Company: LEXISNEXIS
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:
I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX XXXX credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, XXXX as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and Lexis Nexis, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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:
I have a several errors & inaccurate information being reported on my credit report from XXXX XXXX Experian credit bureaus. There is a Bankruptcy being reported on my personal credit profile with XXXX, Experian as verified. I received letters from both company 's saying they verified this Bankruptcy XXXX XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and XXXX XXXX, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: CA
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 account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX BANK XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX 2020

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