BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : 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 2023-05-25
Company: OPTUM BANK, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a request to transfer my XXXX from Optum Financial to XXXX at the start of XXXX in XXXX. At some point in XXXX, I noticed my Optum Financial account was closed out and emptied. However, towards the end of XXXX I noticed that XXXX still had not received my transfer money. Optum Financial told me the check was mailed out around the beginning of XXXX and said at this point, it should have arrived. I checked with XXXX and it hadn't arrived and XXXX suggested that I put a stop payment on the first check so they can expedite a second check out. This was around XX/XX/XXXX, and the assumption was that the second check would be expedited and sent out a few days later. 

A month later, I'm finding out that the money was put back in my Optum account, my account was reopened, and I need to sell the investments and start this process over again. Optum will not provide a tracking number on the check they mail out, so once this happens there will be no transparency where the money is again even if it's been a month. At this point, a process that was supposed to take 4-6 weeks is still ongoing XXXX weeks in. 

Different representatives at Optum have also told me differing information. I was told that they can expedite a new check to XXXX, but then was just told they need to restart the process over and there's no expedite process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was bought by Wells Fargo in XXXX to XXXX they raise my interest rate up to 30 % without my consent I got billed for payments with a higher percentage rate and cost. I refinanced my loan with XXXX XXXX XXXX XXXX 3.8 % to get out of the Wells Fargo loan. Im filing my complaint to get my money back plus any interest they made off of my money and any penalties and fines that I qualify for. I was only paying 5 % interest rate on my loan that I got from guaranteed rate mortgage lenders before they sold my loan to Wells Fargo without my consent. I did not agree to ever pay 30 % interest rate on my mortgage. Wells Fargo claimed I was on a scale to pay 30 % going down to 1 % over the course of the loan for 30 years, they were ensuring that I front loaded their profits out of my pocket by charging me absorbent amount of interest rates. I was struggling to make the payments and thought I was going to lose the house because a lot of stress and XXXX  and sleeplessness. My mortgage went from {$1200.00} per month to {$1300.00} per month

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 2023-06-26
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:
This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-07
Company: CAVALRY INVESTMENTS, LLC
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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 XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX 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

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 2020-11-18
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : This collection agency is trying to collect based on incaccurate information that is not owed. 
Please see attached a copy of my request via email to cancel my lease with a 60 day notice on XX/XX/XXXX. The office manager, XXXX XXXX, responded to me via email on XX/XX/XXXX, acknowledging my notice to end my lease ( see attached ). So, per the lease agreement, a 60 day notice is required ( see attached notice ). Furthermore, I vacated the premises of the apartment on XXXX, the day that I signed my new contract on the place that I moved. Consequently, I was not living at XXXX XXXX XXXX during the month of XX/XX/XXXX to XX/XX/XXXX, as in what your collection letter states. I have enclosed a copy of the United States Postal Service change of address confirmation on XX/XX/XXXX, showing that I had moved, and I did not live there anymore. So, as I have previously stated, I was not living there during the month of XX/XX/XXXX. 

Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. 

Please delete the inaccurate information from all three of my credit bureaus. 

Sincerely, 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 explanation
Consumer complaint received 2023-05-25
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was awarded unemployment benefits on XX/XX/XXXX. I was able to use the Way2Go GoProgram card on that day and completed XXXX transactions online. The next day I was unable to use the card and every transaction was declined from that day on. I tried calling the customer service number on the back of the card but there is no possible way to speak to a live agent. I can not find out why the transactions are declining and I do not know the status of my card. I read online that there is a feature both in the online account and by calling the customer service number, that will allow you to complete a funds transfer. After searching thoroughly, there is no possible way to transfer funds from this account to a more efficient bank/personal bank. There should, at the very least, be a way to transfer money out of this prepaid debit account and into a bank account. There should always be a live agent available to assist customers in matters such as these. There should be clear communication on the status of my prepaid debit. I checked the account program documents, and nowhere is it mentioned a daily spending limit or monthly spending limit. There is no way to determine if my account is frozen, and if so what the reason would be. All of my contact information is up to date and no agent has contacted me regarding issues with my account. I have money that belongs to me and am unable to access it. This is a problem no consumer should have to deal with. I've waited since XXXX to receive these benefits and now that I have them, I can not access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
I opened a new account with Citigroup and it has been nothing but a hassle to get the account working. It took about a month before I had a working card because they sent a card after they had already cancelled the card because I had not received it. The almost immediately there is a fraudulent charge for {$47.00} on XX/XX/30 with XXXX I reported it as a fraud and they initially reversed it and then reversed the credit because the merchant says the charge is legit. I have not gone to XXXX  and have not even been in one of their physical stores in many years. When I tried to call Citi about their reversal of the credit all I get is hung up on before anyone speaks to me. The charge is fraudulent and per their customer agreement I am not responsible for fraudulent charges yet they refuse to permanently remove the charge and have not even provided me with the merchant 's response even though they say they have. I would like this charge permanently removed and this merchant permanently blocked from charging any of my Citi cards

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 2022-12-20
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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
I declare under penalty of perjury funder the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money : and, was successful in creating accounts All is being investigated by the FTC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/10 i got a alert from XXXX XXXX financial services i called the number and it was disconnected... mind you i have not applied for a motorcycle loan in years..here is the information please verify as i have already did ... and please delete this inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, the consumer sent dispute letters to all 3 CRAs ( XXXX, Equifax, & XXXX ). My reasoning and justification were to report and start an investigation into inaccurate reporting on a Closed/Cancelled charged-off account. After receiving a response from all 3 CRAs. I called Equifax to get an understanding of how these accuracies were verified. After their thorough investigation, it was explained to me that this account was accurate and verified. When explaining to them the impossibility of this, their statement was to call the creditor to ask for the deletion of the account. After explaining to the CRA that I have called multiple times and asked the creditor to receive accurate reporting and I explained to them the inaccurate reporting, the creditor denied my deletion request. The CRA wanted me to dispute the inaccuracies again but after further explanation ( I ) the consumer and CRA did not come to an understanding. I also have recordings of this conversation of admittance that they have been reporting wrongfully. Also, Equifax stated that their agent made a mistake in how to handle the dispute. I further explained that this mistake should not fall on the consumer as it is the responsibility of the CRAs. Once the consumer disputes what has been considered inaccurate that the investigation should show merit validity to the result. With these disputes of inaccuracies in my report, my XXXX XXXX and financial progress have been halted and taken their toll on my XXXX  due to the lack of a thorough investigation. Attached below are the documents sent to all 3 CRAs and an outline of the inaccuracies in the credit reporting in question. 
XXXX5 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Part 7 : Section 611. Procedure in Case of Disputed Accuracy If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : XXXX. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and XXXX. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 called the XXXX after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this 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

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