BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a federally protected consumer and my rights are being violated per title 15 1681 " The Fair Credit Reporting Act '' by several credit reporting agencies ( XXXX, Equifax and XXXX ). I have been trying to resolve my hardship that the credit reporting agency have caused me for over a year now. I am a victim of fraud and have filed complaints with the Federal Trade Comission as well for Identity Theft. I have fraudulent accounts appearing on my credit file which is harming my general reputation. I am going to list several violations per the FCRA that the credit reporting agencies have violated. Notice, it is a fact, I, XXXX XXXX is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Equifax and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. it is a fact, Equifax, XXXX and XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX was not given the chance to opt-out of having this reported information about. Notice, it is a fact, Equifax, XXXX and XXXX is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown. Notice, it is a fact, XXXX, Equifax and XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Equifax, XXXX and XXXX has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ). Notice, it is a fact, Equifax, XXXX and XXXX is aware, each requirement of the FCRA which the credit reporting agency fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making credit reporting agency liable for each consecutive reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SLM CORPORATION
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Either XXXX or Sallie Mae calls me 10 to 15 times per day. There's a man named " XXXX '' that keeps calling -- he knows my circumstances but apparently doesn't listen and doesn't want me to eat. The only money I have coming in right now is money from the government. XXXX is trying to take that money and is threatening a freeze on my only account. He's also threatening a freeze on my mother 's accounts. This guys is AWFUL and does not work with you on anything. // || \ ***My son has been fighting XXXX since XX/XX/2016. He's undergone XXXX, has an XXXX XXXX  above his XXXX, requires frequent trips to the hospital for XXXX XXXX, and ***these XXXX XXXX XXXX have not given me a single ounce of sympathy!!! *** If they need pictures, I have pictures! I have video, too! Do they want his XXXX XXXX, too? I'd LOVE to send those to XXXX! To add insult to injury, ***I LOST MY JOB, TOO*** How did XXXX respond ? " That's not my problem ''. You can't make this stuff up, folks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit 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:
There was a charge on my CC for {$1600.00}, when I noticed the charge I immediately called Bank of America informing them I did NOT make the purchase & that I was driving ti my house in Michigan on said date & only stopped at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
Says Transaction date was XX/XX/XXXX at a New/Used Car/Truck dealer online. I confirmed w/ my Husband and he also did NOT make the purchase, prior to calling Bank of America . We have 3 OLD Cars w/ no car notes. I have a XXXX XXXX XXXX Original owner & my Husband has a XXXX & XXXX ( unsure of his purchase dates off hand, but was NOT this year! ). 
When I looked up the website claiming I made the purchase it looks fake, barely anything on the site, I emailed them with NO RESPONSE, no other way to contact them other than their site that says so, but only through there and doesnt provide the email to me. No phone number. When I looked up the address ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which I have NEVER been to in my LIFE! ) affiliated with the purchase it is a Residential area. I have absolutely NO IDEA what the purchase even was, because it wasnt me or my Husband. Where were the goods delivered they claim I bought? I only have my XXXX in XXXX XXXX  that has a XXXX  doorbell camera & my XXXX  in XXXX XXXX area that has a Package room. I told BOA this and they made a claim. As of this Friday they put it back on my CC claiming the merchant claims it was me. I am LIVID & requested they reopen, which they did Claim # XXXX I made an appointment tomorrow to go into the branch in person. This purchase was not me & Im willing to pursue charges on this merchant, as well as BOA if they do not rectify this situation. I have absolutely no reason to lie.

The customer service representative stated Based on my purchase history they arrived at the conclusion it was me. WHAT?!

Thats exactly what I said LOOK AT MY PURCHASE HISTORY! I buy for my current Homes & Cars, THATS IT! If/when I get another car it will be NEW & NOT USED! I do not understand how they can claim I made a purchase I do NOT have the goods for. So NOW he said theyll send me the merchants claim-proof, which I will then go file a police report. I have no idea who these people are, what the website does exactly, what theyre claiming I bought for {$1600.00}! But I will fight this until the end. PLEASE HELP ME!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I recently paid off a student loan account ( XXXX Acc. # XXXX ) This account should be deleted from my credit file as the account is too old. 
Transunion keeps sending me investigation results saying " DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED '' Pursuant to the FCRA this account shall be removed

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 2021-01-26
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I received an email from Chase.com saying an account was open in my name. We called the number they provided. They needed to verify it was me and I gave them my social and date of birth. They were then fishing for more information and we realized what just happened and hung up, but I feel the damage is already done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XX/XX/22 We have disputed this account. BK OF AMER and XXXX XXXX. 

Thanks!

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 2022-06-20
Company: Experian Information Solutions Inc.
State: IN
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, 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 non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on this account is incorrect and hasnt been updated per my request the I thought the fair debt collection act was supposed to protect me for company reporting however they want

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion violated the Fair Credit Reporting Act due to improper use of my Transunion credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Transunion credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Transunion failed to uphold the duty to remove both accounts from my Transunion credit report : DEPT OF ED/XXXX  ( XXXX XX/XX/XXXX ) and DEPT OF EDXXXX ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Transunion held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Transunion credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Transunion credit report, due to both DEPT OF ED/XXXX accounts that were opened in XXXX of XXXX antedating the Transunion credit report by over seven years.

This complaint is an effort for Transunion to be compelled to remove all accounts that antedate seven years from my Transunion credit 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 non-monetary relief
Consumer complaint received 2018-03-02
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2018 I walked into the U.S. Bank branch office at XXXX XXXX XXXX XXXX, XXXX, MN XXXX in order to cash a payroll check drawn off of U.S. Bank. As I was in the process of cashing the check at a teller 's window, I was asked for my SSN and informed that U.S. Bank 's policies regarding noncustomer check cashing had recently been updated to follow " the law ''. While doing research into the legalities of this policy, I found " Section 3-501 ( b ) ( 2 ) of the  Uniform Commercial Code '' which speaks about " reasonable identification ''. Thumb prints, driver 's licenses, passports are all reasonable identification. A SSN is NOT and there is no law saying that they have to ask for them. 

Having done some research and making some phone calls, I called the aforementioned branch of U.S. Bank to speak to the manager. He specifically informed me that they use noncustomer SSNs to TRACK THOSE PEOPLE. That's right. They are tracking you with your SSN if you give it to them. I believe this to be a massive breach of privacy and refuse to do business with them for as long as they maintain this policy. To be clear, they outright REFUSE to accept a REAL ID driver 's license or United States passport as identification specifically so they can track you and your 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit 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 non-monetary relief
Consumer complaint received 2017-01-19
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Barclaycard US lowered my credit limit to just about match the balance on my card. This increased my debt to credit ratio, hence dropping my credit score, when I did nothing wrong. I was not late on a payment nor did I go above the credit limit. Frankly, I have never been late on a payment in my entire life. My credit report is perfect, but I do have debt. I understand that lenders will frequently evaluate risk and have the " right '' to lower the limit, but setting the limit to match my balance was not fair. This practice frankly should be illegal. If I ca n't just increase my credit limit whenever I want then they should not be able to decrease the limit whenever they want. I do n't deserve this or the negative effect it will have on my credit score. I have been trying to dig out of massive debt since I graduated college 10 years ago, and moves like this by lenders to not make this goal any easier.

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 2021-05-21
Company: NVR INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Agreed to switch to NVR Mortgage contingent on all fees being waived. NVR said that they would have to charge me {$100.00} for appraisal but would refund me after closing. I called loan processor day before and day of closing to confirm this was still the case. On my closing documents I ended up being charged {$150.00} for appraisal. Waited a month for refund and still nothing. Eventually asked what problem was and they didnt even know a fee had been left on at closing. After looking into it they finally realized appraiser charged {$150.00} for a rush fee. Not sure how that is relevant to the original agreement of no fees on my end. Received the following explanations from NVR through email. 

XXXX When you and I spoke the day before, I was not made aware of the fee that the appraiser added to the invoice. So what you and I discussed of the appraisal being refunded was completed. They have the ability to add that additional charge if they are turning around the report in under 24 hours. In this case they did. I am not directly involved, nor is XXXX with the ordering of the appraisals so neither of us would have been made aware of this till after the fact. 

With what I confirmed with our Operations Director, yes we are not able to override our system and refund the rush fee that was applied to closing. Let me know if you have any other questions. 

Thank you, XXXX XXXX, That is correct we can not reimburse the rush fee the appraiser charged. We covered all of your fees and provided you with an excellent deal. We also closed your loan in record time. I appreciate you giving us the opportunity to win your business and congratulations again on the closing. 

This is either gross negligence for not informing me beforehand or they just straight up lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am sending this letter on behalf of XXXX XXXX XXXX, my mother, who has been hospitalized with a severeXX/XX/XXXXXXXX for the past 2 weeks. She was recently released and recovering from home. She has an outstanding loan with your company and requested the XXXX forms. She also requested that the branch stop auto debits. Instead of sending said forms, your local branch attempted to coerce my mother to refinance the loan. Then today, they informed her that she would need to come in to get the XXXX forms. This is unacceptable and is tantamount to an unfair and deceptive practice. I will taking power of attorney over her affairs until such time as she recovers. I am certain that the media, the State 's Attorney General and the CFPB, would be interested in knowing that your employees are engaging in the types of unfair and deceptive trade practices ; that is impededing customers with serious health conditions from filing XXXX claims on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sps will not send me valuable information that I 've requested thet keep giving me the run around please help me save my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, {$61.00} was transferred to my account " XXXX XXXX ''. 

I was never able to retrieve that money. a week later, I wasn't able to access my account due to it being tied to a phone number that was out of service. As a result I had to create a new account. 

I notified cash app and they said they'd merge the accounts. It's been a whole week and still no response. 

I do not know what the merge status is, and I do not know the status with these funds. I need this money to pay bills. 

Cash App refuses to reply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company : Asset Recovery Associates XXXX. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.

Company response to consumer: Closed with explanation