BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period. 

I am writing this for the 2 late payments that is reporting on my credit report XX/XX/XXXXXXXX  and XX/XX/XXXX. I have tried to get this updated because its affecting my 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 2022-03-29
Company: Experian Information Solutions Inc.
State: AZ
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 sent a identity theft report to Experian several times once in XX/XX/XXXX and then again in XX/XX/XXXX asking them to block fraudulent items that were listed on my credit report. XXXX XXXX was blocked and removed but they allowed a different collection agency to place it back on there which that is against the law. Also the creditor XXXX  XXXX  is on there twice even after I sent the identity theft and Police report. I also informed that XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX  was fraud I sent them the identity theft report XX/XX/XXXX and instead of them blocking it they disputed it which according to the FCRA if I provide that information they have to block it from the credit report. The person who stole my identity has all my information and it is unfair how experian is handling things. My next step will be to sue but I rather just have this corrected immediately.

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 2022-10-04
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX 2022 {$350.00} Someone sent themselves money on my phone. my phone was missing and when i got it back i reported the fraudulent activity to cash app but they refused to do anything. I reported this incident immediately, multiple times but cash app refused to help in anyway in recovering the funds. I did not make or authorize this transaction. Cash app is a terrible company and app that provides no service or support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 bought some shoes from XXXX which I returned back to them. Per the XXXX  tracking number, XXXX, a warehouse employee signed for the shoes. XXXX claimed they didnt receive the shoes. I provided the tracking number which they claimed wasnt working. So I disputed with my credit card, Bank of America. I provided tracking number to BOA as well. 
They issued a temporary credit, pending the investigation. I checked my card Friday and noticed Bank of America reversed the credit. all I can do at this point is provide tracking, which I thankfully saved. 
Its deplorable that Bank of America doesnt believe in putting the work in and investigating during disputes. There no reason my credit shouldve been reversed. 
Ive been calling them since XXXX, and been on hold. I understand theres a pandemic. If theyd done their due diligence, I wouldnt be in this predicament.

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 2020-03-23
Company: First Advantage LNS Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Contacted company as of XX/XX/2020 asked to receive original bill to verify this debt is mine. Company stated they do not have an original bill so how could this debt be mine? I would like to receive my original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: ARVEST BANK GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the pandemic, we put our loan with Arvest Central Mortgage XXXX loan # XXXX XXXX on forbearance. I was told by Arvest this would not effect my credit score. We sell the property XX/XX/2020. Today, I get a message from my bank about my monthly credit score is updated and it shows XXXX. My score usually runs in the 790s. The only negative reflection is Arvest Central Mortgage. I contact them and they can not tell me why. I am waiting for them to a review and remove the negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: First National Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/XXXX from 2008. While I made purchases from XXXX in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX  I accidently changed {$12.00} to CITI bank Best Buy credit card that I forgot I had. They did not send me a bill. They said I was paperless. This gets past me for XXXX months before I get a call from best buy. By then XXXX {$40.00} late fees have been charge to my account. I told them to cancel my card and I started paying {$10.00} a week towards the card. I asked them to start sending me a paper bill in the mail. I get the Bill XXXX XXXX XXXX and it is for {$180.00}. I called XXXX to complain and I automatically get sent to the closed card helpdesk in XXXX. After several call I was asked to give personal information, I was not comfortable giving. They refuse to help me despite have the full account number my name and the last XXXX digits of my SS # Trans Date Description Reference # Amount XX/XX/XXXX XXXX XXXX XXXX  {$12.00} Payment Information Previous Balance {$89.00} New Balance {$130.00} Payments - {$0.00} Minimum Payment Due {$85.00} Other Credits - {$0.00} Payment Due Date XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank is refusing to resolve a written dispute about a {$32.00} restocking fee related a cancelled furniture delivery and purchase. The original purchase was on XX/XX/2022 and the entire order was cancelled on XX/XX/2022. However, XXXX XXXX system cancelled all of the order, except the {$32.00} restocking fee. I filed a written dispute with the affiliate bank of XXXX XXXX, Synchrony Bank, on approximately XX/XX/2022 and faxed a copy of my receipts on XX/XX/2022. Nonetheless, Synchrony Bank continues to ignore the dispute and claim that they are owed {$32.00}. I cancelled the order in less than 24 hours after ordering the bed frames ( furniture ) at XXXX XXXX location in-person, but online at the store 's XXXX customer service desk. I did not accept any of the items offered. The charges were originally charged to my XXXX store credit card.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 two fraudulent credit cards reporting on my credit report on transunion. 

They are XXXX XXXX credit  card & XXXX XXXX XXXX credit card

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 2022-02-18
Company: Experian Information Solutions Inc.
State: TX
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-02-08
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I entered in a consumer credit transaction with Citibank on XX/XX/2020. 

Following that date Ive received numerous emails, none of which adhered to 15 USC 1692g. ( a ) ( 3 ) which states that a debt collector is required to send the consumer written notice within the first five days following initial communication stating that the consumer has the option and right to dispute the validity of the alleged debt. 
Pursuant to 15 USC 1692g. ( c ) -the fact that I, the protected consumer, have not disputed the validity of the alleged debt within the first 30 days, shall not be construed as an admission of liability.

Citibank has continued to disregard my rights by violating 15 USC 1681a. ( d ) ( 2 ) ( B ) - which states that excluded from a consumer credit report should be, " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ''. Pursuant to 15 USC 1602, the term 'credit card ' is defined as " ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit ''. The credit card used to initiate this extension of credit was my Social Security Card, thus qualifying this alleged debt as a transaction to be excluded from my credit report and also one which I, the original creditor and protected consumer, am not liable for. 
In addition, pursuant to 15 USC 6802 ( b ) which in summary states, [ that a financial institution may only disclose nonpublic personal information to a nonaffiliated third party if they have notified the consumer that such information may be disclosed, given the consumer the opportunity to direct that such information not be disclosed and given the consumer an explanation of how the consumer can exercise that nondisclosure option ]. Regarding this code, Citibank never notified me of my option to opt out from the reporting process or gave instruction on how to and has instead proceeded to report invalidated information regarding this alleged debt to the Credit Reporting Bureaus that damage my reputation and constitute fraud, since I never consented. 

All of this to say that the alleged debt is not mine to cover, since it is a consumer transaction that was initiated through my Social Security Number, much less be defamed over. 

I am aware that banking institutions dont have the power to extend credit and that it is actually I, the original creditor who is extending this credit line to this institution. I dont appreciate the misleading and false representations that Citibank has utilized in order to try to coerce payment from me regarding an alleged and now disputed debt, including the fact that initial communication and subsequent emails requesting payment have violated 15 USC 1692e. ( 11 ) by failing to disclose that they are attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX  XXXX  XXXX Balance : {$710.00}.

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 2023-09-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
Previous complaint # XXXX wher.as closed when they received a response from Mr. Cooper. It is obvious that you did not read the response because they confirmed they are charging me approx. {$4000.00} for an insurance policy that cover XXXX other properties. Mr. Coopers letter even states they confirmed I did not have a lapse of policy. My agent have faxed the policy 5 times. I, today, am having to fax the information again. 

The last time this happened, Mr Cooiper charged me forced insurance when I had a policy in place. It took me 3 years to get them to acknowledge the duplicate insurance and I still have not received the check for approximately # XXXX. 

I need to speak to someone regarding this problem. Mr Cooper makes it impossible to reach a customer service rep. I have had to go thru their automated system for XXXX minutes to reach someone. I am getting nowhere. Do I need to get a politician involved to stop the abuse by Mr. Cooper, Help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dear FTC, I am writing to file a complaint against Toyota Financial Services regarding their unethical business practices. I purchased a car and financed it through XXXX XXXX toyota and with their toyota financial department in that store on Date : XXXX with toyota financial ACCOUNT : XXXX. However, what seemed like a simple loan turned into a nightmare of deceit and fraud. 

Initially, I thought I was taking out a standard loan with Toyota Financial Services, but it became clear that they were more interested in making money off me through various interest fees. To make matters worse, the contract we signed was breached multiple times and they continually changed the terms of our agreement. I was pressured into returning to their loan office, where I was tricked into signing a new contract with terms that were not favorable to me. 

Despite my repeated attempts to resolve the situation, Toyota Financial Services continued to exploit my trust and deceive me. They added various extra fees to my account, and even after I had paid these fees in full, they still reported late payments and delinquencies to my credit report, which caused serious damage to my credit score. 

Their actions were not only unethical, but also illegal. I demand that Toyota Financial Services take full responsibility for their actions and compensate me for the harm they have caused to my credit and my financial well-being. 

I am writing to file a complaint against Toyota Financial Services for their unethical and illegal practices in reporting false information to credit bureaus. As a customer of Toyota Financial Services, I experienced late payments in XXXX California from XXXX, which caused late fees, but all fees were paid. 

However, I later discovered that Toyota Financial Services reported three late payments and two delinquencies to my credit report, even after I paid all the late fees. These false reports have caused severe damage to my credit history, resulting in denial or high interest rates for apartment rentals, car purchases, and business loans. These records will remain on my credit report for seven years. 

I have tried to resolve this matter with Toyota Financial Services, but their customer service representatives have been unhelpful and unresponsive. I have even hired credit repair attorneys, but to no avail. 

Furthermore, I have reason to believe that my finance paperwork was tampered with by a XXXX  male at XXXX XXXX Toyota after the paperwork was completed by a XXXX finance manager named XXXX. This action is illegal and adds to my frustration and mistrust of Toyota Financial Services. 

I request that the FTC investigate this matter and take action against Toyota Financial Services for their unlawful practices. I believe that their actions have harmed not only me, but potentially many other customers as well. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: OneMain Finance Corporation
State: AL
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:
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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00}

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