BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX  XXXX {$660.00} charge off account XXXX  XXXX {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred

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 2023-07-02
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
15 U.S code 1681c.2 consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete theses items as soon as possible.

These accounts can not be furnished on my consumer report as they are in violation!!! Under, 15 U.S code 168 lb permissible purposes of consumer reports ( a ) IN General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Block, Inc.
State: TX
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:
This is the list of unauthorized fraudulent charges I have repeatedly reported to Cash App, but have not been refunded. I have told them my account has been compromised. I have locked the debit card and still to this day charges keep coming in that are being blocked by the card being locked. For instance I just had a charge try to be made today XX/XX/2023. I reported it immediately to Cash App support and they did nothing to help and denied my claim. I will be adding screenshots of the communication shortly after submitting. Below is a list of the unauthorized charges that had been debited to my account and not refunded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seeking reimbursement for these charges as they have a duty as my financial institution fiduciary to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I have looked at my consumer report and this company online information services is on my consumer report concerning a debt that has already been removed from my consumer report regarding XXXX XXXX. Online information services who is a 3rd party debt collector has not sent me any written communication concerning this alleged debt. This is a violation of my consumer federal rights. Under the privacy act pf 1974 no one is suppose to purchase or sell any of my private information and XXXX XXXX continues to do so after they have been removed from my consumer report. Per 15 USC1692c states that without prior written consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with consumer in connection with collector of any debt. I do not know this company who have stole my identity. I have never went into any agreement with this company. I opt out any reporting of my private information from this company called online information services on my consumer report per 17 cfr 248.125. All obligation belongs to the united states per 18 USC 8 and stealing identity to gain money from a consumer is a crime 18 USC1028.XXXX XXXX  has done a XXXX on this debt and has been paid 10x without sending me copy b of the XXXX  that was filed. XXXX XXXX has also been deleted from my consumer report. This item does not belong to me and if I have to contact the sec.gov I have no problems in doing so because both companies are committing fraudulent activity by stealing consumers information to make money that does not exist according to hjr 192. I do not owe this debt and this is fraud and identity theft. My privacy has been compromised per privacy act 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting this XXXX  account on my credit report that was never opened by me, I asked Transunion to investigate this account and they told me that this account is 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 non-monetary relief
Consumer complaint received 2018-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I apologize if I have submitted the wrong form. I am not sure if this is a credit card issue or bank account issue. 

I recently applied for a credit card with Bank of America ( " BOA '' ) and was approved immediately. I had a dormant BOA account with a minimal balance ( under {$20.00} ) that I hadn't used in years and just forgot about. When I logged into my BOA account to check my credit card balance, I noticed that my dormant BOA account had a negative balance. BOA started charging me a monthly maintenance fee since I applied for the card. BOA had not been charging a fee during the dormant period. 

I spoke to BOA credit card today and they have no clue how this happened. They spoke to the deposit department who said I needed to bring the account current and then the account could be closed and the fee would stop. The BOA credit card representative said the credit card would reimburse whatever I had to pay to become current. 

The reactivation of my dormant account upon receiving a credit card was never disclosed to me. The credit card department said this should not have occurred. This seems like a sneaky XXXX XXXX like trick on consumers.

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 2019-03-29
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my mortgage servicing was sold to US Bank from XXXX XXXX XXXX. All 3 servicers paid taxes and insurance and they hit me for escorw shortage. They reimbursed me for property taxes but no one knew what happended to insurance. US Bank treated me like someone that did not pay the mortgage and made me apply for a modification. The law form for US Bank gave me 3 days to pay shortage. I got legal council at this point. US Bank sent me an addendum, two sheets, and stated they had " Found Funds '' and they never clarified what those funds were. This sum was XXXX. My mortgage was XXXX and now the mortgage was up to XXXX. The addendum was never returned signed by US Bank. It was never recorded with the Circuit Courts.  I received unsigned addendums from US Bank when I requested a copy of the executed addendum. The one I received was one that was clearly a cut and paste. I requested it again and received a copy singed by US Bank dated XXXX. This is not the one I had signed although same language from XXXX and no itemize for the " Found Funds ''. In XXXX US Bank sold my mortgage and addendum showed up with a copy of addendum recorded in XXXX but my legal council was not able to find it in XXXX. 
I belive US Bank owes me a credit for 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is one company and if you miss one payment, they'll report each and every semester youve received a loan for seperately ... so one payment missed will equal to approximately twelve late payments reflected on your credit report ... which it's literally Credit Report extortion.

Extortion by the Federal Government is the worse..then if you try to consolidate to make it one loan to avoid the games. It's literally double the amount owed once you incorporate the interest.

XXXX  ... .just sad practices .with no light at he end of the tunnel.

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 2020-01-31
Company: Experian Information Solutions Inc.
State: FL
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:
I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX  XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.

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 2023-07-02
Company: CITIBANK, N.A.
State: CT
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:
Reporting late or missed payment. Who are they? How can you pay your bills on time and your score still goes down? Like other credit reporting agencies are they too getting lazy and just going with boilerplate response. There seems to be a automatic roadblock for people of XXXX to get credit. Its not just 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 2019-08-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my XXXX credit report is incorrect. I was told to contact XXXX directly and if corrected they can revisit my application. I tried to call XXXX XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My equifax and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from XXXX was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2018-12-21
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I fell behind on the payment because I simply forgot about the loan. Didnt receive notification that the company stated that they sent me. I ended up getting a summons to go to court. I contacted the company and made payment arrangements and was told the court date would be cancelled. This was on XX/XX/2018. I payed {$500.00} and told the manager that I would pay {$400.00} in 2 weeks time. She said that was fine. In less than 2 weeks I made that payment and was told the court date was cancelled. 3 months later I find out that they had not cancelled the court date after all and the agreed amount payment of {$1300.00} keeps changing. To pay this off I ended up paying a total of {$1800.00} which was {$500.00} more than I agreed to pay. I requested several times for a list of fees and what was I was being charged for or a copy of the judgement against me and was declined everytime. I was hung up on twice after asking what I was being charged for. I just finally paid this because I didnt want any more interest to acrue, but I think I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several harrassing calls at my place of employment behind a debt I have no information about. This is the third time this number has contacted me under two different company names. This time it is from XXXX XXXX from National Credit Adjusters from phone number XXXX ext. XXXX Previously it was from XXXX XXXX from another company I do not remember. I submited a previous cfpb complaint about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have two credit cards with Capital One, and my oldest card had two unexpected interest rates on the last twelve months without my knowledge. 
I got this card XXXX, XXXX and the interest rate was 26.99. 
In XXXX, XXXX my interest rate went up to 28.49 % and by XXXX, XXXX my interest rate went up again to 31.24 %. 
I was never informed by Capital One that my interest rates were periodically increasing and in less then two years my interest rate with card has increased 4.25 %.

Company response to consumer: Closed with explanation