BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior 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 a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our home in XXXX, WY on XX/XX/2021. Around early XXXX I called Citizens to get an update on our payment for our remaining escrow balance. I believe that it was approximately {$900.00}. During that call they updated our contact information and said they would send us another check. On XX/XX/2021 I requested an update since we had not received our payment. They messaged us back on XX/XX/2021 saying that they would send us a lost check affidavit. I followed up on XX/XX/2021 because I had yet to receive the lost check affidavit. Citizens responded on XX/XX/2021 saying that the affidavit went out on XX/XX/2021. The affidavit arrived near the end of XXXX and I sent it back to Citizens. As of XX/XX/2021 I have yet to receive the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Mr. Cooper on XX/XX/2023 has locked me out of my account after a cyber security attack on their end. I am unable to format my payment arrangement or see up coming escrow and P & I pending payments to ensure they go through or are pending. I have attempted to reach out by phone three times, since learning about the breach for information, at one time, the number was disconnected and the others I got an automated message, with the same information about the breach. No representative from Mr Cooper has attempted to reach out to us in any form, to even acknowledge the breach. Being unable to ascertain what information was targeted, ( public records, mortgage information, banking records, payment arrangements ) I don't know what steps if any are needed to protect myself. Let it be known I never choose Mr. Cooper to handle my mortgage, myself like countless others had our mortgages takeovers from the financial institution we had originally choosen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX 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
Consumer complaint received 2018-06-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid through this agency and they said it would be removed and that has yet to happen. They updated the account as paid in full but was supposed to delete. Also said they would fax a paid in full letter that has yet to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Bread Financial Holdings, Inc.
State: CA
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 XXXX Account # XXXX has violated my rights. 
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 and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Last XX/XX/XXXX, I acquired a car through the financial company. The amount that was agreed to pay was {$17000.00} plus the XXXX that were given in the firm a total of XXXX 1 car of XXXX excessive but we accepted After two years and seeing the need not being able to pay the car a year and a half we decided to return the company, he offered the possibility of giving it to him to sell it at auction and thus be able to reduce the debt To call to let us know how the situation is. The surprise is that they tell us that that {$20000.00} car was sold for XXXX, we understand that it is a scam and also that the debt we have with them amounts to {$25000.00} as it can be after paying {$7500.00} of the XXXX and the car and even seeing the double they tell us that the problem is that the interest is more than 25 % which they never explained to us We understand that We can pay our report. It's damaged. They don't want to sell us more cars at any dealership and the only solution they give us is to make a five-year payment plan and continue paying interest. Honestly, a scam and abusive

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 2023-03-10
Company: EQUIFAX, 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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 a transfer for XXXX was executed from my td bank acc. Thru XXXX the app. When i got aware of it i contacted customer service and informed them about the situation. They took all the inf. And told me that they were going to transfer my call the the fraud department and after 1 hour the call got hang off. This was on XX/XX/XXXX. I called the next day and explained the operator what had happened and he told me that he saw the notes and that by monday XX/XX/XXXX the money should be in the account. Today wednesday XX/XX/XXXX i called again to td bank and they transfer me to the fraud department and now they are telling me that they concluded that the transaction was made from my phone and they cant do nothing about it. Now im a 100 % sure i didnt sent the money. I dont know the person the money was sent to. Even know the person has the same last name i dont have a family or relative named like that. They know where the money went. They can contact that institution and make the person receiving the money responsable for the scam but td bank decided to turn their back. The amount was XXXX dollars. I dont understand how in this era banks are not able to stop scams like this. For me it will be easy to the bank to identify the recipient of the money because for anyone who has a XXXX account you need a bank acc. You need to submit your mame and social security so i think that for any bank will be easy to stop this type of scams and make people responsible for their crimes.i dont make td bank responsible for this but i think that they should give more protection to their customers and make companies like XXXX be more helpful against frauds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: CA
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 of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


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.

Thank you for your time and hard work.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
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 Original Creditor : XXXXXXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
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 WHEN TO THE CAR DEALERSHIP THE SAID THEY WAS GOING TO DO XXXX ONLY AND THEY ALOT OF DIFFERENT BANKS XXXX XXXX XXXX ( FINANCE ) XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX ( BANK ) XXXX XXXX XXXX XXXX XXXX ( BANK )

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 2023-08-18
Company: Experian Information Solutions Inc.
State: SC
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 reviewed my Consumer Reports and noticed that I have conflicting statuses on an account I know nothing about. When I tried to contact the company one person told me that the account was closed, another person told me that the account was open, and another person told me that there was no record of the account. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never opened an account with this company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that this account is opened or closed and also whether or not it is mine. If proof can't be provided I demand this account to be removed as I have been having problems getting approved for many things and this is affecting my lifestyle negatively. I have contacted them to inform them this is me and provided documentation that it is indeed me contacting them to remove this information from my consumer report. 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.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-11-09
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
During a promotional offer that appeared in the XXXX XXXX XXXX, I was informed that I would receive XXXX miles and XXXX XXXX  qualifying points ( XXXX  ). I received the XXXX miles but not the XXXX XXXX  after reaching the {$5000.00} spend amount within the first XXXX months of opening the account. My account was first opened on XX/XX/2023. I am frustrated because I was offered this offer because of my loyalty and being a XXXX member with XXXX XXXX. I have proof of the offer and ensured to apply to the credit card using the special link.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Syncrony bank pays dental office clerks a commission to open accounts on the Syncrony Care Card. This is nothing but a high interest credit card that can be used for anything. On XXXX, XXXX week before my implant procedure, XXXX XXXX, the dental clerk for XXXX XX/XX/XXXX asked me if I wanted to see if I would be approved for this card, based on the estimated cost, {$8200.00}. I stupidly gave her my SSN. She said that I was approved, and never gave me any specs or info on the card. She said it had 7 % interest when it is really 26 %. I said that I would look into it. I had a secured loan option that was much better. 

On XX/XX/16, I had the procedure. When leaving I asked XXXX, what about the bill? She said not to worry I already paid. When I got home, I immediately checked my credit. An account was opened at synchrony bank for a " care card '' and there was a purchase for {$8200.00}, the estimated charge. It was obvious that XXXX opened it with my SSN and charged {$8200.00}. There was a receipt buried in my other paperwork. The rate was 26 % but 16 % for the first 3 years. I called synchrony bank 100 times and finally got a fraud dispute opened. 2 months later, I was denied due to the huge conflict of interest. 

I appealed. 2 months later I was denied. Sometime during these 4 months, synchrony reversed the dental charge of {$8200.00} and hit me with a charge for {$8200.00} as a general purchase from synchrony bank. This way, the interest would be 26 % from the start. XXXX. Just recently I got an email from synchrony saying that I was getting a new card with the 26 % and $ XXXX in debt. 

In the dispute XXXX made a forged copy of the receipt with my signature on it which they had on file. This all happened so XXXX could get her commission and the bank its interest. I just want the transaction reversed and the money sent back to synchrony. She can keep her money.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!

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 2023-11-07
Company: SANTANDER HOLDINGS USA, INC.
State: KY
Product: Credit reporting 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:
Do not recognize inquires on my credit report called all three bureaus no help XXXX inquiry date XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Aidvantage presented false and misleading information that I could reduce my monthly payment by applying for XXXX of their income-driven repayment plans in XXXX of XXXX. 

Well, I applied and my payment SKYROCKETED from ~ {$100.00} to almost {$500.00} just XXXX hours before my first payment is supposed to be due and I have been unable to get in contact or get any response from them. 

Hopefully they do this to enough people and get sued and the loans they were given by XXXX during the pandemic are taken from them. XXXX was SO much better.

Company response to consumer: Closed with explanation