BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion continues to report inaccurate information concerning my credit file. I am fed up with it and i have proof. I have disupted my address is XXXX XXXX XXXX XXXX. I have sent proof and it matches my drivers license. Yet inaccurate address continue to be reported.MY RIGHTS AS THE FCRA SECTION 623 ( B ) IS BEING VIOLATED PURPOSELY.

THe only address that should be listed on my credit file is XXXX XXXX XXXX XXXX XXXX TX XXXX 2. XXXX XXXX XXXX ACCOUNT # XXXX shows date opened of XX/XX/XXXX it has a balance listed of XXXX its listed as a charge off and date closed of XX/XX/2015. How was this verified with a blindfold? How is the balance higher than the high balance. How was the last payment made on XX/XX/2015 if it was closed XX/XX/2015. THIS IS ALL WRONG NOT PER PROMISSARY NOTE PROVIDED BY XXXX XXXX XXXX 

TRANSUNION HAS BEEN REPORTING THIS AS VERIFIED!!! HOW CLEARLY IT SHOWS THAT THE PREVIOUS BALANCE IS XXXX AND IT SHOWS 4 PAYMENTS OF XXXX MADE. NOT 32? IT CLEARLY SHOWS THIS WAS PAID OFF. WHY IS IT STILL SHOWING I OWE THIS COMPANY??? THIS NEEDS TO BE DELETED AS SOON AS POSSIBLE BECAUSE IT CLEARLY WASNT VERIFIED. 

3. XXXX ACCOUNT # XXXX I HAVE NEVER BEEN 60 DAYS LATE ON THIS ACCOUNT PLEASE UPDATE

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 2019-03-17
Company: EQUIFAX, INC.
State: CT
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting XXXX XXXX account negatively stating in collections I bought the car out in XX/XX/2015 not in negative status. The have been reporting this now for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: American Student Assistance
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and American Student Assistance loans. My XXXX loans were sold to American Student Assistance in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, American Student Assistance reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to American Student Assistance and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017, I turned in the keys to my apartment after my roommate and I were placed under an eviction status and my roommate moved out without my knowledge. On the XXXX of XXXX, the balance left for the apartment was not only increased by over {$3000.00} but it was sent to collections before I had a chance to settle it. On the XXXX of XXXX, I received the final bill by email. I then proceeded to email management, I called and even showed up in person but they continued to avoid me. The bottom of the bill states you have 30 days from the final notice to settle the debt. Now the collection agency that has the debt has increased it by {$640.00}. When I try to contact the collection agency, I end up getting the voicemail. Also, I have never received a written letter from the company. The original debt amount was {$7300.00} and it is now {$7900.00}. The collector is Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: ZIONS BANCORPORATION
State: WI
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:
On XX/XX/2020 and XX/XX/2020, Zions First National Bank executed hard inquiries on my credit report without my consent. I have no dealings with Zions First National Bank, nor did I authorize them to place these hard inquiries on my credit file. I sent a letter via First Class Mail on XX/XX/2020 asking to cease inquiries. I called them on XX/XX/2020 to ask and was not provided a clear explanation of why or how these inquires are repeatedly being executed 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 explanation
Consumer complaint received 2019-03-17
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In the Fall of XXXX, my late husband XXXX mailed a check in the amount of {$14.00}, drawn on our joint Key Bank checking account, to XXXX XXXX of XXXX XXXX, for a reference book that they advertised. ( XXXX passed away in XX/XX/XXXX. ) Without our knowledge, the people behind XXXX XXXX manufactured checks with our account information and XXXX name. Over the following three years, a total of twenty-five checks were forged, all but two made payable to XXXX XXXX   and submitted for payment. ( One was payable to XXXX XXXX and one was payable to XXXX XXXX ). The checks were not signed, but had a stamp on the signature line that read No Signature Required. 

Key Bank accepted and honored the fraudulent checks, and paid out {$60000.00} from our account over a three year period. 

In XXXX of XXXX, I was contacted by the US Postal Inspection Service and was informed by Postal Inspector XXXX XXXX that {$60000.00} had been taken from the Key Bank account, and that two individuals have been arrested on federal charges for an elder fraud scheme run through XXXX   XXXX. 

According to a news report, USPIS Inspector-in-Charge XXXX XXXX XXXX in a statement said that XXXX and XXXX XXXX exploited victims by fraudulently using their bank routing numbers and bank account number to produce counterfeit checks. 

When my son XXXX contacted Key Bank, he was told by a manager that they considered that XXXX original {$14.00} check amounted to consent to their honouring all future checks submitted to the bank by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have attempted back in XXXX to get these 2 charges of {$1600.00} and {$950.00} cleared from my credit because it should have been covered by my son 's insurance ot the time of each incidents. I still don't understand why these charges were not covered at the time because my son was XXXX years old and was covered by state insurance here in Wisconsin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX of XXXX I had a fire in my home which displaced 6 people. XXXX XXXX and XXXX adults. XXXX children are XXXX and XXXX adult. Since XX/XX/XXXX we have lived in XXXX XXXX and our coverage with XXXX XXXX is ending XX/XX/XXXX. Freedom Bank ( Freedom Mortgage is where we have our mortgage ) has a check for {$67000.00} to start construction since the end of XXXX and multiple mishaps or miscommunications has made it so now we have lost our contractor. We will be homeless in a month with XXXX kids, I am the only employed person in the home. We do not qualify for government help because I am a XXXX. My husband doesnt qualify for disability but he cant work. There is one income. I am struggling everyday to pay for the lost, replacing clothing and toys and professional and seasonal clothing. This has financially stressed us. There is no movement and no release of money. Im struggling to pay for this life and need to be in my home. I now have to file bankruptcy because of this situation. We have experienced theft and water damage as well due to the mishandling of our claim by XXXX XXXX to our home. We need help. The hardships and impact on my family has been immense emotionally, mentally, and physically. Our entire family and animals were exposed to XXXX  by this as well. Weve been told by our bar rep to settle now to get money to start the construction, but its not enough to cover. XXXX has repeatedly delayed and have handled us carelessly, as well as Freedom. My husband has a XXXX XXXX and my child watched him be XXXX in an XXXX by their mother who thankfully got home in enough from double shifts to cover this disaster financially.

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 2020-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
have non stop mailed, called and harassed me after told not to. Abusive lamguage. Calles before and after legal hours and on sundays. 

have called my place of work and family after being told not to and tried to contact me on facebook messenger. Not my account. leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: ALLY FINANCIAL INC.
State: MI
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 did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by over 250 points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by Ally for improper credit denial.

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 2018-04-11
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it.

Equifax I sent dispute on XX/XX/XXXX, andXX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and {$520.00} XXXX XXXX XXXX  XXXX XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXXXXXX XXXX  XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXXand XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( 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 {$220.00} XXXX/XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$910.00}

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 2020-05-12
Company: Vander Financial, LLC
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:
I looked on my credit report and noticed that some accounts were opened that I did not authorize and have no knowledge of the person who opened them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: CA
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 got my annual credit report from Equifax. There were 3 accounts with 30 day late notices. I tried to dispute these as I have never been late on my accounts. The online dispute link does not work. I was able to call and get the dispute filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT

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 2021-03-19
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:
I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted XXXX, equifax and XXXX regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company is called Cash App, did not issue a refund in the form of {$50.00} on XX/XX/2020 at XXXX XXXX. They told many numerous times they would issue me a refund, believe me when I tell you that I am a patient, reasonable and rational person. I was passed along from " Customer Service Representative '' to " Customer Service Representative '' who each told me the exact same thing in that I would receive my refund within 2-5 business days, to date, it has been 11 complete business days. 

Additionally, I filed a dispute with my Bank called XXXX  XXXX XXXX XXXX who told me there is unfortunately nothing to investigate because there was never a payment received to the aforementioned bank 's Accounting Department. I spoke with XXXX XXXX, Branch Manager at XXXX  XXXX XXXX XXXX and I gathered her personal information : XXXX, XXXX which I then passed along to Cash App Customer Service ( otherwise known as XXXX ). Cash App Customer Service appears to be automated at best as they promised documentation following a dispute proving a transaction was made from Cash App as an " EFT '' ( or electronic funds transfer ) to my bank account, instead I was willfully told that my case has been closed without the promised documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello : I opened an account with CashApp mid XX/XX/XXXX as I do not have a bank account. Most of the time everything processes as expected however on XX/XX/XXXX Department of Labor released 20 payments to me in the amounts of 10 payments of {$600.00} and 10 payments of XXXX totaling {$7800.00} all by ACH transfers via direct deposit. I have not received these funds to date. I confirmed my account number on DOL website and have since received future deposits from DOL to my CashApp card. When confirming on the DOL website it does not show you the previous account number so what I did was enter my correct account number. 
I have emailed CashApp as they do not offer any other kind of customer service. Without a response I filed a complaint with the XXXX, then CashApp replied to my email on XX/XX/XXXX requesting I request an ACH trace from DOL and they provide the details on their letterhead. One XX/XX/XXXX I received the letter from DOL showing the money was transferred to CashApp but under a different account number. I do not recognize the account number that the money was sent to it is very different from my account number so I have no idea how this account number was attached to my DOL direct deposits. 
I emailed CashApp the same day XX/XX/XXXX attaching the letter from DOL with all the details CashApp requested and here we are on XX/XX/XXXX and they have not responded, I've sent multiple emails everyday since XX/XX/XXXX and still nothing has been sent back to me, not even a confirmation that they received my letter. 
I have the proof that CashApp requested and I'm in desperate need of my unemployment payments to pay my bills. 

I also sent the DOL letter and a letter I created to CashApp in XXXX XXXX CA via the post office on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: OKCoin USA Inc.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company allowed me to deposit money into an account after verification using my driver 's license. Once my money cleared, they removed my verification status and would not let me withdrawal any funds I had deposited into the account. I tried several times times to upload a picture of my license to meet the verification criteria, but realized that they would not accept any picture of my driver 's license now that they have my money. They refuse to give me access to my funds, will not close my account, and refuse to refund the money I deposited into the account in their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST 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 non-monetary relief
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple dispute letters to the bureaus challenging a Bankruptcy that is reporting inaccurately. Date of filing and Reference / Case number is wrong and is reporting wrong. Bureaus are reporting Case No XXXX but I'm seeing something completely different. Please help us get this resolved. Attached are the bankruptcy documents

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