BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
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:
In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A XXXX dollar XXXX transfer was fraudulently made on my Bank of America account. Ive made several claims and never got my money back. Its been several months and the bank is denying the claims. Also Bank of America closed 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-22
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
My secured credit card with a {$300.00} limit was charged on XX/XX/XXXX from XXXX XXXX XXXX XXXX  for a total amount of {$2900.00}. Upon looking at my statement I immediately called TD and disputed the charge and closed the card. After waiting my dispute was denied because of chip on chip transaction. Again I disputed the charge and received the same answer. I called for a third time and said they would try again but it would most likely be denied. TD bank failed too send alert for the transaction or verifying it being that my card only has a {$300.00} secured limit and cant be charged more than that and i have only mad transactions on my card for under {$20.00}. This morning i noticed another charge from the same company for {$190.00} and was told from TD that i have too wait to try and dispute it, even though i still havent received my new card yet from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The bank has been charging me monthly fees that it does not disclose to me. They have charged me {$260.00} in fees. They never disclosed to me there were fees involved in maintaining the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guild Mortgage company has misplaced, rejected and/or refused to credit my mortgage account payments on a timely basis. In addition, they will not respond to my requests for a full accounting of my loan account and escrow account. They do not provide escrow account information with their statements online as promised and required by regulators. 

I have asked that they terminate my escrow account and they won't respond. I have attempted to resolve this ongoing accounting discrepancy for over three weeks and Guild will not cooperate. They have " call centers '' and remote workers who keep avoiding any type of return call or replies to inquiries. 

Before I file litigation, I am attempting to use the help of regulators to force Guild to provide required customer responses. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt verification letter on XX/XX/2023 that was never responded to. I also sent another on XX/XX/2023. 

Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt. They are in violation of my rights as a consumer and the debt must be removed. 

It claims it was opened in XXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. I have tried to resolve this calmly and rationally.

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 2022-05-31
Company: EQUIFAX, 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 called Equifaxafter I purchased a credit report from XXXX on XXXX, 2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX   I did an online request for a payout of {$300.00} for my rewards- this should have gone into my checking account ending in XXXX. Instead, it was deposited into an account ending in XXXX, which does not belong to me. They don't seem to understand that I have not received the rewards cash, despite me explaining numerous times. I have no idea what to do at this point since I can't get through to anyone there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Mr. Cooper is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

Mr Cooper has the following in its possession 1 ). the approved forbearance letter from Mr. Cooper, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from Mr. Cooper that the mortgage was paid-in-full on XX/XX/2020 and 3. ) XXXX credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at Mr. Cooper on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with Mr. Cooper, dated XX/XX/2020. Mr. Cooper 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The follow accounts has caused me financial ruin. 
XXXX XXXX XXXX {$690.00} XX/XX/2018 XXXX {$2500.00} XX/XX/2018 XXXX XXXX {$0.00} XX/XX/2018 XXXX  {$0.00} XX/XX/2018 XXXX XXXX XXXX   {$0.00} XX/XX/2018

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 2021-03-10
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I EMAIL LEXISNEXIS BY WAY OF THEIR CONSUMER PORTAL TO VIEW MY CREDIT REPORT. LEXISNEXIS MAIL ME A LETTER WITH A URL SITE TO GO TO WITH, PIN NUMBER WHEN YOU TYPE THE URL LINK YOU GET AN ERROR MESSAGE. TRY TO CALL THEIR PHONE NUMBER YOU JUST GET AUTOMATED ANSWER. NO ONE TO SPEAK TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a prepaid card for my daughter in law. I have the receipt and provided it. The company assured us theyd send a new card and they have not. The card has a huge barcode over the back of it so you cant even read who to contact. I finally got ahold of the company and you have to jump through hoops ( what is 9+5 ) to even connect to customer service. I have been on hold for 20 minutes and no one has answered. The card is locked so I cant confirm it online. The website says the closed shop and asked you to contact XXXX XXXX instead. It is listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from this company who is collecting a balance owed to XXXX XXXX back in XXXX. 

When the first representative called me I told her the balance was inaccurate as I had gotten a policy with another agency. She gave me the information to submit my new policy cards so they could get me an updated bill. 

Between XXXX we repeated this process many times and eventually they got the information and in XXXX updated the bill in my favor. 

In XXXX they reported me to the credit bureaus which damaged my credit. I didn't even have the opportunity to address this directly with XXXX OR with them. 

The collections company called many times without leaving messages. Today I called them back because I had free time. I told them I was going to pay XXXX directly and the representative told me I needed to pay them instead so they can update the credit bureaus. The snide gentleman told me that they would not be deleting my information and instead would list it as paid in full. 

I asked for a supervisor and this gentleman proclaimed that " they will simply tell you what I've told you '' ( very rude ). His supervisor joined the call and I explained the situation and she tried throwing out buzz words like FCRA like I'm some XXXX who doesn't know how credit reporting works. I told her from my perspective there is no benefit to paying in full if they aren't going to correct my credit report and remove the entry since their file started with bad information to begin with. 

This lady then proceeds to tell me that based on the original file they had what they believed to be the right information and were well within their rights to report me to the credit bureaus. I don't know how this company does business but this is ridiculous. First of all I barely had a few days notice between the time the amount was CORRECTED and the time they reported me. Secondly the bill came from XXXX before it came from them with the CORRECTED amount. They need to do the right thing and update my credit file this is having a direct impact on my ability to obtain credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, my wife XXXX XXXX and I, XXXX XXXX, put money down to buy a house from XXXX XXXX in XXXX XXXX, Arizona. XXXX XXXX referred us to US Bank for financing because I operate a small business. Through U.S. Bank, were were prequalified and we had planned to use them to secure a Jumbo loan for {$1.00} XXXX less 20 % down. The house was delayed significantly due to supply chain and labor related issues. However, the home is now scheduled to close on XX/XX/XXXX ( changed by XXXX XXXX from the original closing date of XX/XX/XXXX ). 

The US Bank person we've been worked with all along is : XXXX XXXX, Mortgage Loan Originator | NMLS # XXXX. Direct : XXXX or XXXX. XXXX has been there for us throughout this process and an excellent resource. However, there was a series of unfortunate, corporate-driven events that occurred that prevented us from locking in rates on XX/XX/XXXX and XXXX, XXXX where we could not get a 7-year ARM rate quote from XXXX to make a rate lock decision. While I'm uncertain of the exact reason, I was told that one day " the system was down '' and, the next, XXXX did not have access because US Bank Corp changed their pricing parameters. XXXX indicated the threshold and price parameters likely changed due to tightening concerns as US Bank prepared to close on their acquisition of Union Bank. Consequently, as consumers we are being subjected to this new threshold whereas we should have been grandfathered in as the old pricing parameters in existence before XX/XX/XXXX. 

With quoted rates of 6.5 % as of XX/XX/XXXX, the process is subjective, deceptive and discriminatory. If we were to lock today, the rate spread will cost us ~ {$760.00} per month. Ultimately, US Bank changed the rules in the game without telling us or formally sending us a notification. Plus, they locked us out from being able to make an informed decision with our mortgage agent. And, had we know this were the situation, we would have been more aggressively shopping for another provider. 

XXXX shares in our concern and has expressed this to management for an appeal, but they have said no so far. He plans to appeal again today. With the closing just over a couple of weeks away, we now need to lock-in a rate by this Friday, XX/XX/XXXX. 

Your help is greatly appreciated in helping to facilitate this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Merchants' Credit Guide Company
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received an initial bill, and it was sent to collections for {$18.00}. Absolutely ridiculous. I also never received any phone calls or voicemails to ensure I received my bill before it was sent to collections. For such a low amount one would believe the company would call to ensure I got it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I borrowed {$12000.00} USD from a loan provider by the name of XXXX XXXX while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief