BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX my XXXX Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX  removing a remark. XXXX XXXXXXXX XXXX was also included in my XXXX XXXX XXXXXXXX as of XX/XX/XXXX. This account is also over XXXX XXXX XXXX and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my XXXX, XXXX, and Transunion Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, XXXX, and XXXX  Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, XXXX, and XXXX Credit Reports including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all 3 of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX bankruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.

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 2023-01-26
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: Personal information incorrect

Complaint:
experian has a adress of XXXX cr XXXX XXXX tx XXXX listed as an address on my report. I have not lived at that address and have asked several times to be 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 explanation
Consumer complaint received 2022-09-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PennyMac is my mortgage loan servicer. I have an FHA loan. I have a letter of approval for purchasing a future primary residence. I had placed my home on the market while visiting/researching moving to XXXX. I made a final decision to remain in my home. At which point I asked to apply for a FHA Cash-Out refinance instead, in order to make home improvements and bill consolidation ( Air Conditioner XXXX Storm Impact Windows, and to Pay off Federal Tax Lien etc. ). 

What I experienced was harrowing, in that I was being subjected to what I perceive as a service failure. I was denied/refused the ability to apply for an FHA refinancing loan. I would contact XXXX ( XXXX ) to get clarity on my concern. I received an e-mailed advisement confirming the lender policy was not in accordance with their guidelines. I then forwarded the email back to my lenders loan servicing agent. At that time only, did I receive an advisement, that what they were doing was legally condoned as a fair lending practice by my government. They had applied something I had never heard of in my senior years. They had applied a lending overlay which enabled them to apply their own lending/servicing preferences ( a FHA loan can not be applied for if your home has been on the market within the last 6 months ... initial verbal advisement later changed to 120days ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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 without my written instructions.

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 2022-08-22
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:
Since XX/XX/2022, Ive notified Experian via mail about an invalid account that theyre reporting to my credit. I sent out three letters to them explaining that my identity was stolen around this time due to me losing my wallet and that someone had used my information to open this account. I even submitted copies of my police report that proves my identity was stolen around the time this account was open. Each time, they responded back, without requested proof, stating that this account was verified. I then reach out to the actual account company XXXX XXXX XXXX which they directed me to XXXX XXXX XXXX XXXX XXXX. Here, they showed me the account information in which my LAST NAME ON THIS ACCOUNT IS INCORRECT, also the stubs they sent me that the person used, Ive never worked at this job or even heard of it. I explained to them that my identity was stolen as well. They had me print out an affidavit fraud packet and send it to XXXX XXXX XXXX. I sent this packet out about a week ago. Im not sure what to do next.

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 2022-06-24
Company: CORELOGIC 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:
XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.

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 2022-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a ( 2 ) checking accounts and 1 savings account with USAA. They consistently Make money by charging me NSF fees on the account ending in XXXX. On more than 5 occasions I have had the necessary amount if funds in my checking account only to have them to refuse to pay an ACH payment from an outside vendor. They justify this by allowing me to make a deposit and then when the ACH charge comes in they tell me that the funds are NOT posted. USAA not only charge me a {$29.00} fee but the merchant then charges returned payment fees. I feel like financial institutions should not benefit or capitalize off of the struggle of the consumers. I DONT dispute NSF charges when I make an error, but USAA is taking advantage. If they are doing this to other consumers I can estimate that the amount of money they are making from consumer struggles to be in the billions. USAA claims to cater to veterans and their families but they are taking advantage of those same veterans and their families.

There are a lot of times when I schedule ACH payments from outside vendors on the same day as my wife, and I have payroll deposits into the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Birchwood Credit Services, 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:
XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Its wrong things on my Transunion credit report I need the fraudulent debt off my credit report 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 2022-06-24
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans provided an FHA Loan to individuals for a property, XXXX XXXX XXXX XXXX DE in XX/XX/2021 which is not their primary residence. Individuals have never lived at the property and are renting the property out and using the property for a store location. The tax records state the address where the individuals are living ( XXXX XXXX XXXX XXXX ) and have been living for the past 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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:
TransUnion continues to violate my consumer rights and is committing fraud by reporting inaccurate and unverified bankruptcy. The court has said they did not verify this inaccurate information and I demanded XXXX XXXX remove the inaccurate and unverified information they were furnishing to all CRAs. TransUnion 's willful noncompliance is causing unnecessary anguish and distress.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: KLS Financial Services, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  and KLS Financial Services has fell to communicate with myself of a debt that is not owed by me. I have not given XXXX XXXX  authorization to release my medical information to anyone. XXXX XXXX and KLS Financial Services has violated my XXXX rights! 

15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX - The company will not place a security freeze on my file even though I have explained that there have been attempts in the USA to steal my identity. I completed the online security freeze form, which requested proof of my current address in the USA. I have lived abroad and XXXX, XXXX has been my home since XX/XX/XXXX. 

XX/XX/XXXX - I called the company about the security freeze explaining that I could not provide proof of XXXX residence since I live abroad but still deserved to have my consumer file frozen. I explained I was trying to stop attempts in the USA of stealing my identity or identity fraud. I do use my family address to receive my bank statements ; however, I do not have any bills or any other form of mail in the United States and my license has long expired.

The woman screamed at me to listen to her. She said she had to verify my US address. How can a US citizen living abroad prevent ID theft if they can not show proof of US residence? Others credit reporting agencies have asked me security questions which I was able to answer to authenticate my identity. Why can not this company do the same??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: CA
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 XXXX is Reporting inaccurate information in my credit report. 
For the Auto Loan they are reporting to XXXXXXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To Equifax they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to Equifax date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am distressed that they have included the inaccurate information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged XXXX by a hotel I did not stay at. When I found out I contacted the hotel who said to report it to my card company which I did.. the merchant does not dispute a chargeback yet amex serve has yet to refund my money. They say 45 days but I get a different answer each time I call. They told me so many different answers I don't believe a word they say. They already did a charback over a week ago but won't credit my account because '' we are still investigating '' I don't think it's legal to hold my money this long especially after they already got it back from the merchant over a week ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a payment from a friend into my Venmo account and I started using the funds by means of my Venmo debit card. Then towards the end of the evening my Venmo debit card kept getting declined so I called into Venmo customer service and was told that my account was frozen. I was also told that it could not be fixed until 5 to 7 days later because it Hass to go to a specialized department. I finally heard back from that specialized department who told me that the reason my account was frozen and that I could not access my funds is because there was another account that had been opened in my name that had a balance due. I informed them that I did not have another Venmo account and that if there is one open and it was open without my knowledge and fraudulently. They are refusing to listen to me and theyre telling me that I can not take my money out of my Venmo account or spend my money until I agree to allow them to take the money towards this other balance that is owed that I had no part of. At this point, all I want to do is to cut ties with Venmo altogether and take my money out of the account so I can move forward. I dont think its going to be that simple. How is it even possible that they allowed a second account to be open to begin with? I never authorized a second account. The fact that they allowed someone to open an account in my name and that person has a past due balance has nothing to do with my Venmo account. They have no right to hold my money and tell me that I need to comply with their demands in order to withdraw my money. I feel that I am being extorted by Venmo. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX XXXXXXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

Company response to consumer: Closed with explanation