BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-31
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen and the person has use it to get services in my name for them! Most of the inquiries are for apartments. I purchased a home XX/XX/2017 all the inquiries are for an apartment or loans! I have police reports and my photo is to prove it wasnt me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/18 Transworld Systems attempting to collect a debt for what I believe was XXXX XXXX XXXX called my place of employment, I did not answer. Shortly thereafter they called my mother who was listed as my emergency contact and left a message on her machine stating that the call was regarding my 'past due account '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CALIFORNIA XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. CALIFORNIA XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 17. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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:
Equifax in conjunction with XXXX XXXX, XXXX XXXX AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I decided to close my Citibank checking account. I wrote myself a check for the remaining {$5000.00} and deposited to my XXXX XXXX checking account. A few days later, I logged in to XXXX XXXX  and saw the deposit and {$5000.00} available. I logged in to Citibank and the balance was {$0.00} ( as expected ). I then made the lengthy series of phone calls required to close the Citibank checking account. A few days after this, XXXX XXXX showed the {$5000.00} deposit had been returned along with a {$19.00} fee for bouncing the check. I logged in to Citibank and my transaction list shows NOTHING RELATED TO THIS and the balance is again {$5000.00}.

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 explanation
Consumer complaint received 2021-02-26
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:
Hello. I received notification that there was an application for a credit card that I have no knowledge and authorization of. I filled an FTC report for stolen identity.

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 2021-02-26
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone stole my phone and changed my cash app information to theirs. I immediately alerted cash app and told them what had happened. I have sent multiple emails asking them to close the account, if they are unable to close it, to move it back to my name. I provided them with the information they needed for the person that stole the account including user name. I have been emailing them since beginning of XXXX. They continued to have a new rep respond each time and ask the same information over, and over. then I was sent an email that it would be resolved in 30 day they had a higher than normal volume of complaint. Now they refuse to respond to a single email, they wont tell me if the account is closed, where my stimulus check is. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: REVERSE MORTGAGE INVESTMENT TR
State: GA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
The company has not communicated with me timely nor have they attended to the appraisal appeal I did after the first appraisal. They are price gauging by constantly needing an appraisal that comes up higher than the last appraisal. So far there has been 3 appraisals. I've always managed to get necessary documentation to them in a timely manner ; however they can never seem to perform appropriate actions on their end in a timely manner, thus causing several delays that appear to be done on purpose. It appears that they have been purposely dragging the process out, as conveniently every 120 days they claim to have to do another appraisal, thus causing the cycle to start over and over again. I have sent my birth certificate into them 4 times under every cover that I can use. There isn't a specific point of contact to reach out to and communicate with. It is the proverbial runaround. 

My mother passed on XXXX and I have been trying to buy back her property for the last year to no avail.

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 2022-08-06
Company: Kriya Capital, LLC
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 a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on out mortgage on XX/XX/2021. We had a number of credit accounts that were included to be paid off. Within those accounts, was an account owned by my Ex-husband, listing me only as an authorized user. I did not realize this, as our actual account numbers were not listed. 
I have been trying to recover these funds ( approx {$2200.00} ) from Rocket Mortgage, who ultimately is simply keeping these funds. 
I have been removed from my ex husbands account and this is no longer listed on my credit report. I have sent Rocket mortgage a letter from XXXX XXXX explaining this. The account is not on my credit report, so there is no way to prove this on my credit report! 
Rocket Mortgage refuses to assist and is holding these funds! I would like to receive them or have them applied back to my mortgage. Also, interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company keeps robocalling my job in an effort to seek payment for Medicredit? I have repeatedly told callers that there is no one here that they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
For the last 11 years, appoximately every 2 months, we continue to receive credit card/ pre-qualified line of credit applications for the previous occupant of our home. The offers are sent from BBVA, BBVAUSA.com, Reservation code XXXX. Former occupant was Ms. XXXX XXXX XXXX. I have no bank/credit accounts with BBVA- and have no interest in receiving any offers. 

-We have lived at our current address of : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX, for 11 years, since XX/XX/2010. I have no knowledge of where Ms. XXXX XXXX currently resides. In addition to it being waste of time and USPS mail, it also indicates the potential for identity theft if someone else were to receive this and impersonate Ms XXXX XXXX information to request a line of credit at our address. 

We keep getting pre-approved offers for her, only from BBVA. I have contacted them multiple times to update their database/ address, but it never works. They have a contact phone of XXXX ; usually the call representative states that they will make a note of it in their database, but apparently that is not being connected to their direct-mailing / credit offer section. 

I have also called the " Opt-out '' phone 3 of XXXX to opt out of pre-screened credit offers, but again it does not seem to prevent these letters from BBVA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted an online dispute with Equifax for the XXXX account ( Confirmation number : XXXX ), as the payment history, and account status was incorrect. I never heard from them. It's been well over 60 days. On XX/XX/XXXX, I submitted another dispute ( Confirmation number : XXXX ) advising them to remove the account, as it was inaccurately being reported. Still no response. Now all my positive accounts and some of my negative accounts from XXXX have been removed and they are reporting only 3 accounts which is negatively impacting my credit rating. However when I view my credit report from Equifax, I can see all of my accounts. I need my history back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
In accordance with the Fair Credit Reporting act : XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, and XXXX XXXX  account number XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

I did not give them written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
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: Account information incorrect

Complaint:
My mortgage is serviced by XXXX XXXX ( XXXX ). InXX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending sinceXX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX {$11000.00}

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 explanation
Consumer complaint received 2020-08-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From the beginning of my car loan, citizen one bank made it difficult to do autopay. I had difficulty applying it and spoke to multiple representatives on the phone in regards to this issue. I have all my bills on auto and I consider myself a very responsible adult when it comes to finance. However in late last Late XXXX when I lived at my old address, I was told by a representative over the phone in XXXX I can do autopay on their site. Before this, Citizen one 's bank mobile app did not work to setup autopay nor did their actual website allow for this option and it was always an issue. I had no other way but to pay when I was called by an automated phone call by citizen saying I have to pay my bill. This frustrated me because this is the only bill I had like this and I wanted autopay. I was told in XXXX I will be setup on autopay and I was walked through how to do this by a representative and confirmed it was applied correctly. I paid my bill and setup the autopay on their old www.citizenone.com URL. I did this and set my bank account up this and let it go as of all my other bills and I make sure I have more than enough money in my accounts each month. I moved in XXXX to my new house so I did not receive mail for a couple of months but I made sure I had money in my account and everything was fine. I sound got letters at my new address saying that I was late for a couple of months. I immediately called and tried to figure out what happened and explained to them I had this setup from one of your reps what happened. They told me they have had an issue with their old autopay and website and switched it to https : //www3.citizensbankonline.com/ With no warning to me. So apparently it wasn't applied. I was extremely upset. However I paid everything and made sure my account was current. And ask to have it corrected. I was told that I can only have it corrected by sending letters to their credit department. This was back in XXXX. It has now XXXX. I have sent letters myself. I have hired a credit repair company, XXXX XXXX in XXXX only to be ignored and to pay over 600 dollars at this point to correct their misapplied autopay function. I have paid on time for 6 months after the fact with autopay and they still will not work with me. It has ruined my ability for financing for my business, refinancing for my car, new credit and I have lost my entire business because I could not receive financing due to this sole issue. When you look on the credit report the late payments are even inaccurately applied on my credit report. The days late to not match. Please help me correct this. I foolishly did not write down the names of the people I spoke with but I put screen shots showing how the mobile bill pay does not work still to this day and how consumers are told to register at that old www.citizenone.com URL when it is now the https : //www3.citizensbankonline.com/ URL I sent you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
US Bank knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with US Bank and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a US Bank chooses to arbitrarily punish its customers. This was abusive and wrong.

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 2021-02-26
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have tryed calling only to have the computer refuse my call and left messages thru my paypal and not one reply. I am talking aboiut Paypal and a refund from XXXX XXXX XXXX I am trying to get out of paypal thats allready been refunded to me thru paypal. 
There inaction and puting a hold on a refund and claiming it is a sale when I dont sell is all intentional and wrong. I am so sick of Paypal and just need to pickup a refund and not be harrased by there workers. I am ready to file a complaint with Minnesota Attorney General as there out oif line.

Company response to consumer: Closed with explanation