BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
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:
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX Asst Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX/XXXX-unauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXXXXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!

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 2017-07-20
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I use to live at XXXX XXXX in XXXX. When I left XXXX I paid my rent in full even for the time I was n't there. I paid with a cashiers check. I later found the company was on my credit report for XXXX . I have contacted them several times no one can tell me why. The apartment was left in very good condition. All furniture and items were removed. Now its show on my credit report. I have disputed it several times .. I 'm asking that this be removed from my credit immediately. Its being reported under Capstone credit collection. 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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
Hello, I am writing in regards to the service of credit reporting with Transunion. I log into my account with my personal credentials and when I click to view my credit report an error message pops up stating that I am unable to view my credit report. I would like to state that i have made several calls to Transunion and what they tell me is that their are XXXX accounts with the same name and that is why they can't allow me to access my account. Transunion takes the time to ask me for my full name, my birthday, my SSN and my residential address and it's confirmed that the info I am providing is correct and they access my account on their end. So, as I use my credentials and personal info to login to my account, I should be able to see my credit report. Based on the Fair Credit Reporting Act, It is my right to view my credit report. It is my right to know what is being put into an account that I never authorized to add my personal, work, business, loan or credit information on there in the first place. If I can't have access to my report when I log into my account, I don't want any information pertaining to me on Transunion. This is My formal complaint against Transunion.

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 2022-01-28
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called and requested a loan modification on my FHA loan back in XXXX of XXXX and was denied and told the specific company XXXX  didnt offer loan modifications. I was sent a letter of acceleration today XX/XX/XXXX dated for XX/XX/XXXX stating that in 45 days my loan was to be made current with the {$4500.00} paid otherwise it would be accelerated. I had someone from XXXX contact them stating that I would like to request a loan modification or a partial payment, I was then notified that I couldnt do a loan modification due to my loan being a mortgage revenue bond. The lady from XXXX then requested for a partial payment and was told that one was already approved then after speaking with us for a while we were told I had to send in a third party authorization in order for them to speak with her. We then sent in the third party authorization and were told that they still couldnt speak to us because they hadnt received the third party authorization yet. We will be contacting them again on Tuesday XX/XX/XXXX to find out about getting a partial payment since I have been denied a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to XXXX XXXX for a second   time demanding validation of this debt. The original creditor is XXXX and the account was opened in Pennsylvania. I have never had a residence in Pennsylvania nor have I, or anyone that I know, ever resided at the address on the bill that the collection agency has sent me. I have never been associated with any of the phone numbers listed on the bill either. I also have never had cell service with XXXX. The collection agency keeps sending me copies of bills and to my knowledge, that is not an acceptable form of validation. I believe this account was opened in my name without my knowledge or permission. I am in the process of attempting to purchase my first home and need this issue resolved 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 2020-04-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XX/XX/2020, I saw these fraud transactions which are not mine. I have been calling Chase Claim service since then, but they keep me on hold and no one answers me. I claimed online for these transactions, and got Claim # XXXX. On XX/XX/2020 I received a letter from Chase that these transactions are not fraud. Please investigate this case again, because I did not authorize, I think my online banking was hacked, the same time five transaction were made. two of them were rejected by chase, other three transactions were completed.

From Chase business accounts was fraud two transaction XX/XX/2020- {$650.00} and {$480.00}. 
From Chase individual account was fraud one transaction XX/XX/2020- {$1000.00}. 
Please refund my money. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX and # XXXX XXXX XXXX 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 state consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
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 have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8 XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX 16. XXXX XXXX XXXX XXXX, XXXX 17. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

1. XXXX XXXXe 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8 . XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX 16. XXXX XXXX XXXX XXXX, XXXX 17. 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 2020-01-09
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I switched cell phone carriers early XXXX from XXXX to XXXX  some Month later XXXX came back with a residual amount of XXXX I disputed this amount and asked for quantification after reviewing the info I paid the residual amount XXXX on XX/XX/XXXX. 
I have spoken to the collection agency on XX/XX/XXXX and asked why am I being harassed over this matter since it has been resolved. XXXX the supervisor assured me that this is resolved but I am still receiving phone calls both at home and on my cell phone I have received 17 calls from them between XX/XX/XXXX thru XX/XX/XXXX many of which are hang ups or with know one answering.

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 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have been writing the credit bureaus since XXXX trying to get account i have no relations with deleted from my credit, file, XXXX XXXX. i have written XXXX directly asking them to verify, i have written transunion, the only thing written back to me is that it has been verified, which is not the same as VALIDATED. I have tried calling transunion, but talking to someone who actually speaks XXXX, laughable.and that is a joke, they talk to me like i'm a criminal, im just trying to get one negative file removed from my report. Big giant corporations treat real life humans, like were the bad guys, I di n't believe it would be this difficult, but now almost a year later, i still have a negative in my transunion file. can anyone please help me

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 2022-01-28
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:
Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past 6 months to no avail.

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 2022-06-15
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Truist randomly froze my account, I could not get them to unfreeze it on the day because I didn't have my bank statements from my other banks. Now they've frozen the account but refuse to send me the check for the little over {$1000.00} in my balance forcing me to go to the branch. The closest branch is a XXXX hour drive away and I simply don't have the time. Truist does not give any option to authenticate over phone no matter what. Their wait times are atrocious and it's simply impossible to get them to give me back my own money. 

At the same time, their terrible tech system keeps sending me emails about " your account is fine this month! '' as if it's still opened. Their customer service thinks its open, but their other fraud department says its closed.

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 2022-12-15
Company: OPTUM BANK, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
At the beginning of XXXX, I realized I had an XXXX  account with Optum Financial. I initially didn't realize this because I never received a debit card from them. I created an online an account but was unable to validate it without the card number. At that time, I called and ordered a new card. In XXXX, I had not yet received a card so I called back. I was told that cards that were ordered during a certain period never went out due to a glitch in their system - though I was never notified. I requested another card, I believe on XXXX or XXXX, and still have not received it. I have called several times and no one will provide me any information as to where my card is or when I will receive it. Different associates have given me different, contradicting answers. I have asked for a way to access my online account without validating it by a card number- but have been refused. So I have no way to access my online account or to receive a card for funds that will expire on XX/XX/31. I have asked to be e-mailed a form so that I can submit for reimbursement via fax. Both times I have asked for this, I never received the e-mail I was promised. I have looked into this company online and dozens of people have the same complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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:
Ive taken the proactive approach into reviewing my XXXX, Transunion and XXXX Credit Report after the XXXX 2017 breach. Ive contacted XXXX and was advised via XXXX website ; Based on Information provided we ( XXXX ) believe that your personal information may have been impacted by this incident. I enrolled in the XXXX XXXX XXXX which was offered by XXXX and locked my credit reports. I recently received a copy of my XXXX, Transunion and XXXX credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order

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 2020-01-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Not have I only tried to fix this issued with the management of BMO Harris Bank in writing, this is my second complaint to you. After the first one the VP of the bank wrote me an apology letter saying it will not happen again, yet they are doing it again. I pre-pay my loan quarterly, in the exact amount due, then they apply the payments to the principal and charge me late fees on the payments I have a already paid! This is an illegal practice, and they need to reimburse me and do a full accounting of my payments as they are deliberately trying to commit loan service fraud. Please contact them and audit them. As a former XXXX  XXXX in the XXXX XXXX, i helped create the CFBP for this reason among other loan service acts of fraud and predatory lending. Please see my attached XXXX statement, which shows them doing the exact same thing. They are misaproproating my payments for profit. Thank you, 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 2021-01-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 I paid the full amount of XXXX $ to awa collections or 12 two jin inc. It's still on my XXXX  report does not showed I've paid I tried desputing but nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was approved for a Citi Cash card to help pay down my debt. I transferred {$2900.00} from a balance transfer to this Citi Cash card due to I only have a {$3000.00} limit on the card. I only have 4 months from the date I opened the card to get {$0.00} finance charge on balance transfers. On XX/XX/22 I made a {$1000.00} payment to my Citi Cash card. They withdrew the {$1000.00} from my checking account on XX/XX/22. My account shows a balance of {$1900.00} but I only had {$0.00} in available credit. I wanted to use that {$1000.00} to make another balance transfer. When I called Citibank on XX/XX/22 about my available balance they told me the payment was on hold for verification. When I asked why, I was told its because I made a large payment. I requested to speak to a supervisor and asked him when will it reflect in my available credit and he said XX/XX/XXXX. I asked where in the contract does it state they were going to hold my money and he told me on page 3 and then he hung up on me. Theres nothing anywhere in the contract about verification holds. I called back the following day at a different time and was told the same thing that my payment was on hold for verification so I asked him where does it say they can do that in the contract and he said it isnt written its just something they tell people over the phone. I understand what a verification hold is but no one could tell me why it takes 10 days to release the hold. They now have {$1000.00} of my money and I have nothing to show for it. I cant do another balance transfer until after my other credit card payment due date. I believe they are holding it to whittle down the time they gave me for the interest free balance transfer which is why I chose their credit card in the first place.

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