BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

Account Number : XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX XXXX Account XXXX, Account name : XXXX XXXX Account # XXXX 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 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 2023-02-04
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I send money through zelle to an impersonator. Someone hacked my relative XXXX account ( Her account is XXXX XXXX XXXX and i already reported to XXXX ) and directed me to send them money to the email XXXX. 

I talked to the bank ( XXXX ) and there's nothing they can do to recover the money. 

This scammer has already scammed a lot of relatives and is still using the XXXX account and email account to scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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: Other problem getting your report or credit score

Complaint:
There are a number of troubling issues in dealing with TransUnion : The phone number they provide is outsourced to XXXX. Their call center is XXXX ; blames you for not being able to access their website after you've created an account. 

The XXXX call center claims they will 'look into your problem ' and never get back to you. You are put on hold after answer multiple questions and then are disconnected. The call center in XXXX claimed I would receive a paper copy of my TransUnion credit report. Even if I receive this report, I will now have to do any disputes by paper and snail mail, which will take longer. 

I can not access the website and therefore I can not put in any disputes. The company has no explanation why I can not access my account on their website. 

https : //service.transunion.com/dss/login.page This company is worth {>= $1,000,000} ( according to XXXX XXXX XXXX but they can't fund a decent call center or provide better IT support or customer service?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Upon discovering a ( Low ) credit Score of about ( XXXX ), on my ( XXXX ) Credit Card, I immediately, called Transunion of this serious Mistake. The operator informed me, that he could ( Not ) help me ; and I needed to mail a Written Letter of ( Dispute ) to ( all ) ( 3 ) Credit Bureau 's ; ( Transunion, XXXX XXXX XXXX ). The ( Letters ) were sent on XX/XX/2023. A few days later, I received only ( 1 ) response from Transunion, the other ( s ) ( Failed ) to properly respond back. 

In my Dispute Complaint ( s ), I clearly pointed out, that I have ( Never ) been Late, with any of, my former ( Mortgage ) Payments, Loan # XXXX. Our Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. Transunion ( Claims ) The Bank claims I was ( Late ) in this ( Last ) XXXX of XXXX, for amount of {$1700.00} Dollars & stated I was ( Late ) this ( XXXX XX/XX/2023 ....? Even though my Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. Try & explain that one ....? 

This is totally ( False ), & clearly the work of Incompetence by the Employees of ( XXXX XXXX XXXX  ). My ( Wifes ) mortgage Payments are Automatically deducted from her payroll, with XXXX XXXX ... ... ... ..! My present XXXX Score is preventing me, from obtaining a ( Loan ) to get my ( Roof ) repaired, Fifth Third Bank, is responsible for my Credit Score, being ( Lowered ) from ( XXXX ) to ( XXXX ) ) ... ....! I need this serious situation corrected & Re-State my Excellent Credit Score. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX E-Mail XXXX Tel # 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 2023-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my card was charged for {$4300.00} for servuce not provided? I have not agreed to any services with this facility that charged me. I was told that my card will not be charged. There was no finalized medical care agreed by me with the facility. I have not received any Medical Care from this Facility. If agreed to care i was going to be charged when my care was finished with the clinic. My care never started with this clinic and no final date for Medical Services has or was agreed with the facility, there for i have opened this claim, and i am stating that this charges are unauthorized since were made without my consent. I have tried to contact the facility multiple times and wasnt able to get anywhere. No one has talked with me or try to help me. I have also contacted citibank mulitiple times in regards to this matter with no resolution in site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Ability Recovery Services, LLC
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ms XXXX In relation to medical debt, this is NOT a validation of this debt. I am requesting my signature for the services provided, I dont recall. This is a direct Hippa violation with diagnosis codes without written or signed consent. Please send my signature where I received services or remove from my credit file. 

Hippa violation showing diagnosis codes without signed or written consent. Please investigate

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 2023-02-04
Company: First Federal Credit Control, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received the attached letter from First Federal Credit Control XXXX XXXX dated XX/XX/2023. I already advised them over a month ago this balance was paid. However, they are attempting to collect a non-existent debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a paralegal and have worked many years previously in debt collection. I want in writing that this was a mistake sending this letter so that I have this for my records. It is not legal to threaten to furnish a non-existent debt to the consumer reporting agencies. Also, just for this company 's information, when they say " THIS DEBT WILL BE REPORTED TO THE NATIONAL CREDIT BUREAU, '' that is also inaccurate and they should look at updating their letter. They do not " report '' they " furnish '' information to the consumer reporting agencies. I've attached the debt collection letter, as well as the receipt showing this was already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
From XXXX XXXX Wells Fargo changed my XXXX  processing company ( the company that I made my payments to ) without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries do not belong to me, i obtained a copy of my current credit report and noticed inquires that i did not authorize and i would like it to be removed immediately

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 2023-07-18
Company: MoneyLion Inc.
State: OH
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:
Between XX/XX/XXXX and XXXX XXXX took XXXX out of my account this was unauthorized they autorenewd already cancelled subscriptions and refused to give me my money back so I contacted my bank Money Lion to dispute the charges and today XX/XX/XXXX is the XXXX day since I filed my disputes and under regulation E they have XXXX days to resolve dispute or issue a provisional credit while they continue to investigate and they havent issued updated and keeps saying I may not be eligible for the credit when I sent the written confirmation in on the same day I filed the dispute and the unauthorized transaction meet the requirements under regulation E and they refuse to connect me with the dispute department or giving me a update furthermore more the deposits that were posted into my account by mistake were XXXX payments made out to me for my daughters and these checks are to be used for their expenses only they have no obligation with anyone to owe any money

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 2022-12-19
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Missouri XXXX took a loan out with Rocket Mortgage one of our First notice date : XX/XX/2022 Loan number XXXX Property address Mine XXXX XXXX XXXX XXXX XXXX Missouri XXXX from Rocket Mortgage XXXX XXXX XXXX XXXX Michigan XXXX Rocket Mortgage phone number XXXX XXXX XXXX was the representative I have spoke with multiple times! I made a XXXX  payment from one of my XXXX XXXX  accounts and I was gave confirmation number XXXX because it went through! I WAS gave confirmation number XXXX when I made a XXXX Dollar and a XXXX from my XXXX XXXX account ending in XXXX and XXXX! I was told by Rocket Mortgage to keep my payments under XXXX to keep IRS out of it! I was gave confirmation number XXXX when I used my XXXX XXXX account ending in XXXX! I made a XXXX dollar payment with my account ending in XXXX! I made a payment with an XXXXXXXX XXXX account! XXXX XXXX accounts! All good! Then we get a letter from Rocket Mortgage Notice date XX/XX/2022 and our loan number is XXXX! NOTIFICATIONS about Mortgage ID XXXX! We received notice XX/XX/2022 no payment made! Default! NO PAYMENTS MADE! ON WHICH LOAN? WHEN ROCKET MORTGAGE FIRST STARTED CALLING US THEY ASKED ABOUT XXXX XXXX LOAN ON A DOUBLE WIDE IN MINNESOTA OR MICHIGAN! I PUT PAYMENTS TOWARDS INTEREST, PRINCIPAL, XXXX PAYMENTS, XXXX PAYMENTS, PAID! THEY WILL NOT SPEAK TO ME XXXX XXXX XXXX XXXX AND I AM ON THE LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
US BANK did an unauthorized hard credit pull on XX/XX/2020, which was made without my consent. While I have a new car loan with US BANK, the only time I agreed to a credit pull was during the application process on XX/XX/2020. Again, the second pull on XX/XX/2020 was not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am writing to file a complaint against XXXX, XXXX, and Transunion for not investigating my credit dispute and failing to provide a response within the required time frame as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

On XX/XX/, I submitted a dispute to XXXX, XXXX, and Transunion regarding inaccurate information on my credit report. 

The disputed items were : XXXX. XXXX - XXXX - 15 U.S.C. Section 1666 Correction of billing errors - Update to paid as agreed and remove late payments from the payment history. 

XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Update to paid as agreed and remove late payments from payment history. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States That No Late Payments Are To Be Reported To The Financial Credit Bureau During The Time Of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States that no late payments are to be reported to the financial credit bureau during the time of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX XXXX. XXXX - XXXX - Under 15 US Code 1692g Validation of Debts- Please delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX - Under 15 US CODE 1692g Validation of Debts- Please delete this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX  - Under 15 US CODE 1692g Validation of Debts- Please remove this account from my credit report immediately. 

I provided all necessary documentation and evidence to support my claim. 

Credit reporting agencies must look into disputes within 30 days ( or 45 days if more information is given during the investigation period ) and let the consumer know what the results are. But XXXX, TransUnion, and XXXX haven't responded to my dispute or given me any updates on the investigation, even though the deadline for the investigation has passed. I am trying to buy a home as soon as possible, and this is really hindering the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 explanation
Consumer complaint received 2022-11-01
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Wells Fargo Bank. XXXX, CA .... Would charge unexpected fee for payday loans. In XXXX location would deny cash withdrawal from account. However, .re. Locating to an alternate branch in XXXX for example the withdrawal/loan would auto approve. Other examples include certain areas. Not approving request for auto loan or line of credit. And again able to approve in more affluent areas where employees are more willing and happy to assist. Funds were fraudulently received fr my acct .Although after reporting incident and filing for compen station and resolution it never occurred.These and other actions occured over 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