BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: MoneyLion 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: Information belongs to someone else

Complaint:
I became aware in reviewing my credit report in early XXXX that someone fraudently took and and was given an installment by an online banking institution by the name of MoneyLion. Identity theft is involved and the loan was taken out illegally using my social security number, name and date of birth. The bank did not check my credit reports ( as I have a lock on them unless I need to use them ) and did not verify that the person taking out the loan lived at the address given ( by seeing a copy of a drivers license ). The person who took out the loan ( {$500.00} ) received the money from MoneyLion and is now delinquent on their payments. The delinquent loan is showing up on my credit report and has negatively impacted all of my scores. More frightening is that someone is taking out credit using my information ( identity theft ) and that certain institutions like MoneyLion do not have adequate safeguards in place to catch. I have read online, in researching the situation, that MoneyLion has had several cases like mine with people opening accounts and taking out loans fraudulently I have called MoneyLion. I finally got a representative who said they referred my case to the fraud department. I have not been permitted to have any direct contact with the fraud department. I have filed a police report with the XXXX XXXX XXXX Police Department NY report number XXXX. I have also filed a report with the FTC reporting identity fraud. The case file at MoneyLion is XXXX XXXX XXXX for the fraud that I have reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from 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 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15USC 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 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 2018-09-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi Bank currently offers Banking promotion which states " deposit XXXX within 30 days of account opening to get {$600.00} bonus ''. The promotion is done online only. Citi bank starts counting the days from the day you file the application online. Although the account gets approved in 3-4 days after application, the consumer CAN NOT LOG INTO account until they get a debit card which may take 2-3 weeks. Citibank requires a DEBIT CARD to be Handy to Activate the Account. Without a debit card, the consumer can not ACTIVATE THE ACCOUNT. Infact citibank will not even issue your account number without debit card activation. Hence the consumer is already at a narrow window and only gets 1 week time to deposit the money. In my case, Citibank never sent me a debit card or it got lost in the mail. They resend me the card and hence I already passed the deposit window. Because of this, Citibank states that I am not eligible for the bonus when in fact it was no fault of mine. Citi Bank failed to send me debit card without which I can not activate the account nor deposit money. Hence, it looks like it's a false marketing strategy to invite new customers and delay their deposits to make them ineligible for the bonus. Request for intervention. Name : XXXX XXXX Citi Account number : Citi Gold Checking XXXX Citi Gold Saving 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 2021-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep disputing with Portfolio Recovery Associates telling them that the debt isnt mines for a few years and they keep trying to tell me that the debt is mines because of old statements from the creditor. I explained to them in numerous letters that they can not validate this debt with old bills to please send me written proof with my signature on it. They refuse to do as I ask them and ignore what Im saying and continue to send the old bills to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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: Account status incorrect

Complaint:
i reachout numerous times to XXXX transunion XXXX about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due

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 2021-04-20
Company: CrossCountry Mortgage LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CrossCountry Mortgage is listed as an approved lender for my states grant program. When I questioned them about the program, however, their response was as follows : " Cross Country as a company is an approved lender. However Cross Country only allows each state to offer one Down Payment Assistance program. Cross Country in Oklahoma opted to go with the REI program over the XXXX program. I can see how youd think that but I can assure maam we are not allowed to offer XXXX here ''.

It's confusing to me that they are an approved lender, but they will not help you do a grant through the state. This feels like a practice that would impact lower-income individuals especially. At one point they even offered me more towards my closing ( though significantly less than what the grant would have ) as long as I did not try to receive assistance, this also felt slightly predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Guild Mortgage Company LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I recieved some deed of ownership from XXXX XXXX XXXX XXXX and then I submitted something with you Now I recieved this and what looks familure is /s/ and d/b/a

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 2021-04-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive contacted Equifax over the past 2 years complaining about this wrong information that is reporting on my credit report. 

name XXXX XXXX address XXXX XXXX XXXX tn XXXX XXXX XXXX XXXX il XXXX accounts XXXX XXXX Hard Inquiries XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Information belongs to someone else

Complaint:
Experian, Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report

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 2021-04-20
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debts have been paid off to Caine and Wiener Company Inc Last XX/XX/2020 but still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Loan approved three times under Loss and Mitigation process. At the moment I'm unable to perform the closing as they are not offering any alternative to finish the process. 

After providing a Divorce Sentence, I went with the lawyers to the bank and explained that I was divorecd, the Bank request me to prepare a legal document with my ex husband and present it to the Registry of the Property locally in order for them to complete the process. After doing the document, present and registered the bank is not offering an alternative that can work for us. 

I called and wrote to them asking a resolution to my case without any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX & XXXX, XXXX I had XXXX  tests conducted at a hospital which I charged to my VISA credit card. The cost was {$340.00}. 
I was told I would be contacted in a few days about the results. 
I was never contacted and since then I have made 7 failed attempts to get the results of the tests from the hospital. 
On XX/XX/XXXX I began the dispute process with the credit card company. 
On XXXX XXXX I mailed back a questionnaire with details to the credit card company. 
On XXXX XXXX, having received a response from the credit card company that the merchant certified that the services had been rendered, I mailed a rebuttal letter to the credit card company saying that although the tests were conducted, there is no sense in having tests done without getting the results, and requesting that the dispute be upheld. 
On XX/XX/XXXX I received notice from the credit card company that they were rejecting my dispute.

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 2020-07-06
Company: EQUIFAX, INC.
State: LA
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:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
In XX/XX/2021 I had XXXX XXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub 650 credit score which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than 1 email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/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 2019-03-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending. Does it matter this company continues this practice or has multiple complaints that you can view just be " XXXX '' their name? 

SLS sent a letter stating I was 15 days late but no mention of the attachments in complaint number XXXX ( see attached ) showing no payment due. I am attaching the documentation AGAIN so SLS, who shows they have no understanding based on their response, corrects the mistake based on their own documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am writing this complaint against BANK OF AMERICA for the fraudulent inquiry on my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Sarma
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.I demanding immediately deletion of this in accurate fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
XXXX x already, BANK OF AMERICA STOLE money out of my account, the first was for {$500.00} and the second time which was just last week was {$600.00}. They stole my bill money, and now XXXX cant pay my bills. 

They keep claiming I own them money but actually they owe me money stemming from a fraud claim. They owe me thousands of dollars, have destroyed my credit, and closed my accounts when I was kidnapped. Now they blocked me from my credit, and started harassing me nonstop to give them more money, threatening me, and now are stealing money out of my accounts. 

I have spoken to the company over XXXX times in attempts to resolve this issue and get all my money back, get my credit back, and to remove all the fraudulent negative reports on my credit. 

I get no where with them. The last time I spoke to them, I told them they had 2 days to put the money back in my account or I was reporting them. They never returned any of my money, all my bills are now late, and I am fed up with them stealing from me, XXXX XXXX XXXX XXXX allowing anyone to charge my card unauthorized and demand the money from me, then on top of that now the bank is stealing more money from me! 

Before they closed my accounts when I was kidnapped, they told me if I made payments just to keep my account in good standing while they were XXXX XXXX on a fraud claim, that I would get all the payments, interest payments, fees, and fraud money back when they finished working on it. That was in 2018. It has been 4 years, they owe me thousands f dollars, and now instead of paying me my money, they are stealing more money from me. Nonstop harassing me, destroying my credit with fraudulent negative reporting to the credit bureaus, and now XXXX cant even keep a roof over my head because they keep stealing my bill 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 2022-04-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 XXXXXX/XX/2023.

Company response to consumer: Closed with explanation