BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
I called XXXX XXXX XXXX XXXX  many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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

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 2023-01-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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: Account status incorrect

Complaint:
TransUnion reported to my bank, XXXX, an inaccurate credit score. The reporting was unfair causing denial of credit.

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 2022-11-22
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: Their investigation did not fix an error on your report

Complaint:
Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like you to remove the late payment from this account ASAP : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: AZ
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've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.

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 2022-05-16
Company: ALLY FINANCIAL INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ally Financial was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was XXXX as a result, and I received a letter as well as about {$50.00} settlement amount. XXXX XXXX XXXX XXXX XXXX is attempting to currently collect the debt that was settled in the class action lawsuit against Ally Financial and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on 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 2023-01-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have american express rewards checking account. I scheduled an outgoing transfer from my american express rewards checking account to my ally savings account on XXXX XX/XX/2023. When i tried to confirm this transfer, American express customer service is clueless whether this transfer is happening or not? 
I told them multiple times but customer service of no help at the first place. On top of it, when i tried to cancel that transfer - I can't do that. 
Fundamentally American express is wrong that even a basic outgoing transfer is not happening. Then somebody called and talked to my spouse and making all sort of excuses like it depends on other institution. My spouse told that it was started from this american express so tell what is happening and they have no idea. 
This is the second time this is happening to me with this american express checking account. 
CFPB should not just act like mere mail forwarder and toothless agency. 

Ban American express from running any banking. They can only do credit cards and nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I enrolled in the US BANK forbearance program XXXX of XXXX due to the corona virus pandemic. My work depends on XXXX XXXX done at our local hospitals. At this time the hospitals were handling virus patients and my income was significantly reduced. This went on and off until the end XX/XX/XXXX, at which time my forbearance ended and I was able to start paying my mortgage again. I had been told numerous times throughout the forbearance period that all payments would be put on the back end of the loan. However, I was asked to submit profit loss statements, bank statements, explanation letters, tax records etc. to the loss mitigation division. The first attempt was denied and I was offered A short sale. I was given the opportunity to appeal which I did and was denied again and offered a short sale. I was then told I was applying for the wrong program I was told I needed to apply for COVID 19 long term. I went through the application process for this program which took a few months. Again I was denied and offered a short sale. This process took from XX/XX/XXXX till XX/XX/XXXX. During this period I was able to make payments but was told no payments were acceptable during application process. On the denial letter one of the reasons said I was behind on payments from XXXX till XXXX. It also stated I SAID I wasn't able to make payments which I stated in letters I was able. Another denial reason said they could not find an affordable payment plan for me. I was never given an option on any payment plan. Another reason saying I was in Loss mitigation before, which I was years ago for different reasons. Why let me in this forbearance program if being in it before disqualifies you for another one. So, now after the forbearance from beginning XXXX till end of XXXX now they are saying I am 764 days delinquent and have to pay {$52000.00} to avoid foreclosure or do a short sale. I am left with my only option of XXXX bankruptcy. I really don't want to go down this road especially when I can afford payments. I will still be making payments under XXXX XXXX and hang on to house with 7 years of bad credit. It seems unfair that after proving with bank statements that my income could afford repayment if deferred to back end of loan. IT IS IMPORTANT TO NOTE THEY WOULD NOT TAKE MY MORTGAGE PAYMENT DURING THE APPLICATION PROCESS WHICH LASTED 6 MONTHS. NOW THEY SAY I WAS BEHIND ON PAYMENTS WAS A REASON FOR NOT DEFERRING PAYMENTS..

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 2022-06-16
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
reference XXXX Cash app had allowed a charge to go through even after I had kept my card locked and the company charging my account, XXXX, had told me in an email that my account would be closed if I did not change my method of payment. I didn't change my payment method as well as I had written in to cancel my services over a month earlier and was under no contractual obligations. XXXX still made a debit in the amount of XXXX in the beginning of XXXX, XXXX. I made my formal complaint via Cash apps dispute form on XX/XX/2022. According to the eft they have 10 days unless a provisional credit was issued if one was issued they have 45 days. It has been 46 days and no provisional credits were issued, no credits were issued at all actually and no refund given. Anytime I go to inquire it is a lengthy process just to get any kind of response from Cash app and all they say is the same 45 day reciting of the eft which like I said it has been 46 days and they only have 10 days unless provisional credits were issued. When I tell them this they dont have any response other then saying they don't know what to tell me it isn't their department and im not allowed to talk to that department. I have reached by phone chat and email all with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX have 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 explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: SC
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:
After experiencing identity theft, I contacted, Experian via certified Mail, and identified fraudulent variations of my name, fraudulent addresses, fraudulent employers, and fraudulent accounts that were not initiated by me. The only correct version of my name is XXXX XXXX XXXX XXXX I requested all other variations of my name to be removed, however they still remain. The only accurate address is XXXX XXXX XXXX XXXX SC XXXX. I requested all other inaccurate addresses be deleted, however they still remain. The only correct phone number is XXXX. I requested all fraudulent phone numbers to be removed ; however, they all remain. I requested all employers be deleted, as they are inaccurate and yet they still remain. The following fraudulent accounts still remain XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing the FTC identity theft report on and other proof showing this information/these accounts are fraudulent and a result of identity theft, Experian has still refused to remove this information from my consumer report and has verified this information as accurate. Im confused as to how these accounts which are fraudulent were identified as accurate, especially as I was not provided with the investigation report, and yet a fraud alert was approved to be put on my account.

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 2022-06-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Cascade CISS Holdings, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NEVER USE XXXXXXXX XXXX! 
Date : XXXX Actions : I'm buying a new house and the new loan was denied because of the XXXXXXXX XXXX wrong reporting and refused to make corrections. 
My loan was sold to XXXX three month ago. I talked with Truist from XXXX  to XXXX  and they kicked issues among them and could not resolve anything, and I requested to talk with management level person but every time each person kept me waiting for 24-48 hours and I never received any calls. 
My new loan officer showed me a regulation from CFPB showing that XXXX violated the 60-day late payment during transfer laws. I've paid off all the dues and tried my best to negotiate with XXXX, but their attitude is so horrible and not helpful. Everyone is like a robot and manager is hiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: LendKey Technologies, Inc.
State: GA
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:
XX/XX/2022, recently when XXXX XXXX XXXX announced he will offer student Loan Forgiveness towards student loan debt. I taken upon myself to reach my student lender Lendkey to respectfully asked if they will make an exception to assistance me to see if I qualify for student loan debt forgiveness. I was instantly cut short of the conversation. I was told I didnt qualify due to my consolidation was going on XXXX XXXX  with Lendkey . I expressed that I had XXXX loans before consolidating and the interest rates were being that I should qualify for the XXXX student debt forgiveness being that I make less than {$120000.00}. I feel I should have the opportunity to qualify. XXXX XXXX XXXX XXXX XXXX XXXX on a fixed income my current and future income does not support my student loan debt of {$50000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: VT
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 believe it was XXXX or XXXX of this year I noticed my credit score had dropped XXXX points. I quickly checked my report to see why and noticed someone had tried applying for a XXXX  XXXX card in my name. I have never tried applying for any type of card as I have zero interest in ever getting one. I tried disputing it as I never applied for it. But after trying to dispute it a couple times theyve done nothing about it. They just keep closing the investigation which is very frustrating to me as Ive been trying so hard to build my credit. I find it unfair and frustrating that its dropped so much due to what I assume was someone trying to get a card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
I sent a letter off XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial insititution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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