BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I went to a car dealership about a year ago they ran my credit to multiple different people and I have multiple inquiries on my account from the auto dealership car XXXX stated that they were only going to do one hard pool for one they did multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Company: OneMain Finance Corporation
State: IA
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: Problem with personal statement of dispute

Complaint:
Previously, disputed CFPB complaint reference # XXXX on this account and results came back still inaccurate. Account is not stating 100 % accurate. * Account reports CLOSED while in collection with a pass due amount. There is no way that account can report pass due if account is dead. * Reporting consecutive Charge off as if it was some sort of payment method. * inaccurate date of last activity reporting XX/XX/XXXX by XXXX XXXX XX/XX/XXXX XXXX while XX/XX/XXXX. *Account is still not reporting as disputed by consumer. I have the right to an accurate credit report and you are not providing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During our XXXX  XXXX bankruptcy our lender ( XXXX XXXX ) sold our loan to our current mortgage holder Carrington. During that time period Carrington Mortgage  began showing a late payment. We believe this occured as a result of some of our payment history not being sent from XXXX to Carrington. As I recall I requested several times, when the loan was first received by Carrington, for a payment history because I believed that their figures were not accurate and that I was paying the same month twice ( once when I was with XXXX and then again when it was sold to Carrington ). 
We are currently trying to do a refi with our house. The late payment history is not helping. 
Will you kindly look into this matter. Currently I have brought all my payments up to date. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged a overdraft fee of {$35.00} and the transaction was still declined

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
Company: EAST WEST BANK
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I XXXX XXXX initiated a wire transfer from my brokerage account XXXX  account from Account # XXXX ( XXXX ) XXXX in the amount of {$85000.00} to. Please be advise the intended recipient was suppose to be as followed from XXXX ; Account ; XXXX XXXX Account # last 5 digits # XXXX routing # XXXX XXXX  ; XXXX XXXX XXXX ; East West Bank Address ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Federal reference XXXX XXXX XXXX on East West Bank for depositing a check made out to XXXXXXXX XXXX XXXX while the intended account holder is XXXX XXXX this check should have never been deposited under the incorrect recipient. 

Complaint The Consumer ; XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX is asking to forward the Check back to either XXXX account XXXX ( XXXX ) XXXX due to lack of Service nor Goods receive, the severity of this complaint negligence on part of East West Bank depositing funds into the wrong recipient, which should never had occur. 

XXXX has made an effort to recall funds under case # XXXX not once but several times dates are as followed all year XXXX ; XXXX XXXX XXXX XX/XX/XXXX after XXXX attempts and a certified letter from XXXX XXXX addressed to the East West Bank. The Bank has not cooperated in returning the funds to the rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Exeter Finance Corp.
State: OH
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:
Exeter finance did not report the GAP Insurance company XXXX prorated payment of {$650.00} and received the check by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : Dispute of XXXX XXXX Account # XXXX I write to you today, XX/XX/XXXX, in response to the notifications from your agencies regarding my previously disputed account with XXXX XXXX ( Account # XXXX ). Despite my numerous disputes, the inaccuracies on this account persist, and it seems your agencies continue to inaccurately report this information even after reassessment. 

Your previous update indicated that this information was reported by the data furnisher, yet upon reviewing the alleged updates from your agencies, I note glaring discrepancies in both the reported dates of last activity and the payment history. 

Upon the conclusion of your re-investigation, my consumer report continues to be inaccurately reported across the three agencies. The dates of last activity listed vary widely : Transunion- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 

Furthermore, the payment history on the account reports differently across all agencies, as detailed below : - Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX Current, XXXX. XXXX XXXXXXXX XXXX XXXX- 30 days late, XXXX XXXX 60 days late, XXXX XXXX 90 days late. 
- XXXX : XXXX XXXX 60 days late, XXXX XXXX 90 days late, XXXX XXXX No Data, XXXX XXXX XXXX XXXX XXXX  XXXX- 60 days late, XXXX XXXX 90 days late, XXXX XXXX 120 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 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 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 2022-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 U.S.C 1681 XXXX  XXXX Original creditor : XXXX XXXX XXXX amount for {$520.00} XXXX  XXXX Original creditor : XXXX XXXX XXXX for {$75.00} XXXX XXXX XXXX- the amount of {$50.00} XXXX XXXX XXXX  the amount of {$1800.00} 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Moore Legal Group, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Meadowbrook legal Group has engaged in deceptive business practices. I hired Meadowbrook legal to settle debt. They rushed me to sign a contract, asked me to add money to a savings account for them to use as leverage. I was reassured multiple times by the sales rep that the only fee will be a {$89.00} admin fee every month. This savings account was hidden ( on another website called XXXX XXXX ) I found months later that they have been using 95 % of my funds to pay their made up fees ( retainer & service fee. ) They haven't provided me with any services to justify these charges and when I asked about for refund on the hidden fees they said they aren't refundable or reimbursable. Unknowingly, by paying these hidden fees it has put me further in debt. I thought I was saving for a settlement. 
The fact that the fees are hidden in the contract plus being rushed to sign did not allow me the opportunity to make an informed decision before signing the contract. Meadowbrook legal group misled and concealed the fees in a way that made them difficult to notice even as they charged me, they haven't provided any service and I want a refund on these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2022-09-03
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
NETSPEND ( XXXX ) On XX/XX/22 i reported to Netspend because i found out in my account had : - XXXX fraud transaction ( different address and different name ) XXXX unauthorized transactions XXXX transactions canceled ( receipt included ) on next day, NETSPEND email for me let me know i have to waiting unstill XXXX will provisionally credit my account .... i am waiting ... .2 weeks than on XX/XX/22 i called for NETSPEND customer service to asked about dispute with claim number is XXXX, but the supervisor at NETSPEND yelling and argue to me really really mean and rude she said " i have no idea about your dispute claim, XXXX XXXX waiting ok .... '' i am waiting still XX/XX/22 NETSPEND email for me and denied my claim even though when i reported to NETSPEND i poof all documents i unrecognized transactions because different address and different name. NETSPEND said they are denied because all transactions listed on the claim was valid????? 
Enclosed are copies of statements, FTC identity theft report, documents included support for my case. 
NOW, i dispute all the transactions on the list with the card last XXXX ( XXXX ) i am requesting that the charge be refund money back to my account, that any finacial and other charge related to the fraudulent amountbe credited as well.and that i receive an accurate statement hope CFPB help me to solve this problem.thanks

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 2022-10-05
Company: EQUIFAX, INC.
State: TX
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:
Called customer service on XXXX to get password change a case # was given and I am still trying to log in with no help of equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letters off on XXXX XXXX XXXX I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2022-11-14
Company: Northstar Location Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Getting litigation calls, threatening calls for wage garnishment, no many XXXX, no letters in the mail, leaving messages on family members machines, getting calls from numerous agencies since XXXX original debt from XXXX. Spoke with XXXX account was transferred as of XXXX XXXX to XXXX. Spoke with XXXX account was settled and paid. Nothing is owed. That was taken care of with Northstar location services final payment on XX/XX/XXXX settled for less than full balance. Been getting calls from the following agencies XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX. On XX/XX/XXXX, Received a call from a XXXXXXXX XXXX XXXX on XX/XX/XXXX, left nasty message no number. Received another voice message from a company in XXXX XXXX stating they needed to collect on a debt that was on XX/XX/XXXX. Received another phone call today XX/XX/XXXX left a recording with no message From telephone number XXXX XXXX. I am about had it with getting calls on this old credit card that was taken care of. I have spoken with XXXX and spoken with XXXX  and its been paid in full. I am not sure what to do at this point whether to hire a lawyer or what I am looking for help as I am very frustrated the debt is in my XXXX  XXXXXXXX XXXX so you will need different information.

Company response to consumer: Closed with explanation