BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Below is a cut and paste of a letter sent to TransUnion. I tried calling and got a rep who couldn't do anything to help except try to sell me reporting service. It is serious to affect my credit this way and makes no sense XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX SSN XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA Gentlemen : I am writing to you due to the XXXX point drop in my credit report which makes NO sense. I had a credit card balance of over {$7000.00} related to my husbands funeral and final expenses. I had a credit rating in the high 700s. I finally paid it off and instead of my credit score going up since I had less debt, IT DROPPED XXXX POINTS. I also paid off my car. 
Well, that was very upsetting to say the least, so I started running my normal expenses through my XXXX card since it appeared to me you didnt like me having no debt. I paid the account off in full each month and figured that was what you wanted. So then I get a notice through one of the consumer credit monitoring pages that you dropped me again to XXXX because I was spending too much money on my credit card, even though it was paid in full each month. 
You cant have it both ways, drop my score because I paid off a large bill and then drop it again when I spent {$3200.00} buying necessary, one time purchases for my home which again, I paid in full. 
Something is wrong with your scoring method. It makes so little sense that even XXXX XXXX couldnt understand my credit dropping because I PAID OFF A BILL. Then to drop it again because I bought needed items and paid it in full is ridiculous and makes no sense. 
This letter is to request that you immediately return my score to the high 700s as I have done nothing to lower my score. Even my bank could find no rhyme or reason to this. 
Which is it, you like debt or you dont. 
I am sending a copy of this letter to both the Federal Trade Commission and to my congressional representatives as this makes no sense and is unfair. 
Disgusted, 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 2019-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have disputed Bank of America several times about this account. Each time they are saying it is reportable because I owe this debt. The debt is too old to be on my account. Recently XXXX and XXXX has disputed this company only to get the same response. After talking with a Customer Service Rep with their company ( and this info has been recorded in their files ) he explained the XXXX process. They agreed to deleted XXXX account in XX/XX/XXXX but not the other. Both accounts were submitted to Credit Bureau agencies under the same circumstances. The account with the higher balance has had dates changed as to when it was submitted. ( see attached ) I am being told there is recent activity. How so? Last retail date on this account is XX/XX/XXXX. Last payment date is XX/XX/XXXX. I was told by the Customer Service Rep that any debt cancelled under IRS rules are the person is not obligated to pay the remaining balance. We are in the XXXX year of the XXXX issued in XXXX. Taxed amounts were paid. I am concerned that the amounts shown on XXXX are not in sync with the amount reported to credit bureaus as well. I have talked with 6-7 managers at Bank of America. None will release this debt but released the other. I filed a dispute with XXXX and XXXX  XXXX Bank of America reopened and reissued another report against me in XX/XX/XXXX for the same accounted they deleted in XX/XX/XXXX. XXXX  resolved dispute. XXXX just received theirs and dropped my credit rating. There seems to be a lot of confusion going on in credit and collections. Managers are very argumentative and will do vindictive things like reissuing reports that have been resolved. They also will list your account so no one can speak with you but XXXX of them.

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 2023-07-15
Company: Lincoln Educational Services Corporation
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX and use to go to XXXX XXXX and I cant repay the loan because I got sick and have mental illness I was diagnosed with XXXX and I been struggling to pay the loan ever since and I need the loan off my credit because it giving me bad credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ARS for committing identity theft. I have never given ARS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS continues its collection efforts, I will file for litigation for actual damages caused and ARS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.

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 2023-03-15
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want you to verify this debt as i don't have any accounts with you? if proven unverifiable please remove this account from my credit report as soon as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Two negotiable instruments were accepted and processed by Best Buy but they have not adjusted the account balance and have restricted my credit unfairly.

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 2023-05-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXXXXXX ) was place on my credit I never had XXXX  Ive contact the several times they found out it was. Fraud or identity theft they removed it from two of the credit bureaus but equifax still reporting it which is causing a negative impact to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MN
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  Account # XXXX, has violated my rights. 

XXXX5 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 explanation
Consumer complaint received 2023-07-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TD Bank charged me a {$370.00} appraisal fee on my loan number XXXX. TD initially sent me a letter/notice dated from XX/XX/. After several phone contacts and their inability to provide information backing up the appraisal fee, the fee was reversed and confirmed to me by phone by XXXX, a TD Bank Supervisor at the Loan Servicing Department, on XX/XX/ XXXX 
However, a few days later, I received another letter/notice from TD Bank dated from XX/XX/XXXX  ( same day I was told the fee was reversed ) signed by XXXX, XXXX customer experience, finally providing an explanation : the bank was contacted by the XXXX XXXX about my property and decided to order an appraisal.

The bank failed to mention that i ) it never contacted me, the property owner, about the need for the appraisal, ii ) that my HELOC has never been used since its inception, more than 7 years ago ( {$0.00} outstanding ) ; iii ) the XXXX XXXX issue was withdrawn by the plaintiff in the next few days after being submitted because it was based on wrong information. 
Now, TD is trying bill me the {$370.00} appraisal fee to make up for their administrative error of ordering an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Prosper Marketplace, Inc.
State: CO
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:
Prosper pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called XXXX XXXX to see if they can help me dispute my credit score,  they stated that they need a letter of the loan denial. I called Prosper again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.

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 2023-01-12
Company: U.S. BANCORP
State: FL
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:
I did a credit card consolidation on XX/XX/2022 and there was an overpayment of {$11000.00} so on XX/XX/2022 I asked that they send me a check for balance and they said they would. On XX/XX/2022 I noticed an ACH payment for this amount and the credit was gone out of my account. I called and they said that they decided to refund it to a bill payment service but were not sure which one or the account number. My credit consolidation company XXXX has not received the money and US Bank can not find it. I would like to find this money and receive it or have it received by the credit consolidation company as my payments on my consolidations are {$750.00} a week and I am paying for something I do not have.

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 monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer cre pit plan as late for purpose.

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 2022-12-03
Company: TrueAccord Corp.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a applied for a mortgage and And now an equity loan and each time I hear nothing back from this Credit Union

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 2023-05-19
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2023 I was denied a bank loan because Equifax is not reporting a score on my credit file. I immediately called Equifax and was told it was because I have a freeze/FRUAD alert on my credit file. I asked that the freeze be removed. After going through the verification process over the phone to confirm my identity I was told by the representative that the freeze would be removed immediately. On XX/XX/XXXX I returned to the bank and was told the same thing. I decided to wait, a few days. On XX/XX/XXXX, I checked my Equifax report and noticed there was still no score available. I contacted Equifax, and was told to fax a copy of my DL and social security card. On XX/XX/XXXX, I received a notice from Equifax that reads in part " As you requested. we successfully removed the fraud alert on your Equifax credit report '' After receiving this notice I thought that everything was fine so I contacted my Bank to reapply for the loan and was told there is no Equifax score available. I contacted Equifax again, after speaking to 3 reps and more than 2 hours on the phone I was told that I needed to provide proof of my address. So I faxed copy of my DL, SS card and bank statement. I waited a week applied for the loan again and was denied for the 3 rd time because there is no score available. I contacted Equifax 4 more times. Every representative I spoke to said the fraud/freeze was lifted but No one can explain why there is no score available. When I asked for a supervisor I was hung up on. This has caused me a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Bank Routing # : XXXX Account # : XXXX Early Warning and XXXX XXXX has knowingly and intentionally reported inaccurate and fraudulent information it received from XXXX XXXX  XXXX. I clearly understand that these reporting agencies only report transactions and data they receive from banking institutions. However, this information must be accurate and a due diligence to conduct thorough investigation of this information is a requirement for a reporting agency as mandated by federal law. 

In light of recent developments with regards to XXXX XXXXXXXX XXXX and fraudulent activity perpetuated on consumers such as myself and millions of others, I an demanding that all transactions reported by XXXX XXXX XXXXXXXX into my file be removed and deleted as soon as possible. 

Failure to do so means you are a willing participant in the fraudulent activity of XXXX XXXX XXXXXXXX and subject to class action suits as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: RI
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, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account 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 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