BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-01
Company: T.S. Holdings
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:
My account was falsely reported to IQ Data Inc by XXXX XXXX 's manager XXXX in XX/XX/2022 because they claimed I failed to provide 60 days notice of move out. A debt was placed in my name and sent to IQ Data Inc, who contacted me by mail on XX/XX/2022. After several conversations with Property Manager XXXX XXXX and XXXX XXXX  Manager XXXX XXXX, I was told to resolve the issue on my own. 

I contacted IQ Data Inc and provided proof of my 60 day notice via email on XX/XX/XXXX and XX/XX/XXXX. They confirmed receipt both times, and sent the document to processing. On XX/XX/XXXX I contacted IQ Data again, who claimed that there was no documentation attached to my file. I resubmitted my evidence, and received verbal confirmation that they received my email. I contacted them again on XX/XX/XXXX, when I was told that the department that handles disputes had sent out two dispute emails to XXXX XXXX but had not received any response. I was told all I could do was wait. 

I contacted IQ Data Inc again on XX/XX/XXXX and was told that the dispute department had no made any progress on my case, nor had they made any additional attempts to contact XXXX XXXX. I was once again told to wait it out. I contacted them again, today on XX/XX/XXXX and was told that the dispute department had not made any additional contact attempts since XXXX of XXXX and that all I could do was 'try and send them an email and see if they will do anything for you. '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
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:
On or about XX/XX/2015 I had financed a 2015 XXXX from XXXX XXXX through this bank. However afterwards problems of fraudulent activities was revealed and this particular vehicle was proven to be no good and XXXX XXXX settled. In the meantime the vehicle was repossessed. However when a recent credit report was done a {$20000.00} Loan showed up as default in which is way over 7 years old. XXXX XXXX XXXX XXXX was contacted and absolutely nothing has been done

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 2023-04-17
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Money lion said they would process the money on XX/XX/XXXX and they took it out today on XX/XX/XXXX. I called the customer service and the first representative I spoke to refused to connect me to her supervisor for about 5 minutes. When I finally got in the phone with the supervisor, after concluding she also couldnt help me I informed her I needed her to contact her manager today so I can speak to them instead. She replied she had to send them an email and they would get back to me in XXXX business hours but if I really needed the money that bad I could use the same insta cash services on XX/XX/XXXX when it clears. After me asking more questions she hung up the phone on me. When I called the customer service number back and went through the prompts, the number hung up the phone before I could even be connected with a customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened a checking and a savings account at my local Bank of America branch. I did this in response to a {$500.00} promotional offer I received in the mail ( document is attached ). The {$300.00} promotion for the checking account was paid, but I have not been paid the {$200.00} promotion associated with the savings account. All customer service agents I've spoken to using BofA 's toll free phone contact number have explicitly acknowledged that I met all the promo obligations and waiting periods. The promo was " supposed to be '' paid by XX/XX/2019. My first contact with the bank 's national customer service line was on XX/XX/2019 and that agent " elevated '' the issue pursuant to what apparently was a formal BofA process. The agent provided me an " order number '' for future reference ( #  XXXX ). All agents I've spoken with have said the elevated review would take up to 60 days. It has now been 61 days so I called again and was told today ( XX/XX/2019 ) that nothing has happened with the review. Please help.

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 2023-02-24
Company: Experian Information Solutions 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. The Listed account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct : XXXX has violated my rights. 

15 U.S.C. 1681 selection 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-02
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
CashApp is arbitrarily cancelling and rejecting my law firm clients from paying us as little as {$2500.00} on a regular basis. We believe someone there is targeting us so that we cant earn money. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Bread Financial Holdings, Inc.
State: GA
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:
Comenity Capital Bank promise made first 3 months payment on my account they not done that yet then drop my credit limit without asking me first

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a loyal Best Buy consumer since XXXX ; In late XXXX I applied for Best Buy credit card. I was offered {$1000.00} credit limit ; and I made very few purchases, and was mindful of credit limit. I've called on 2-3 times in XXXX ; and again in XX/XX/XXXX and again on XX/XX/XXXX ; and spoke with customer service Rep. XXXX and supervisor who identified himself as XXXX. Both agents for Best Buy admitted on a recorded line they realize I was not receiving *invoices for payments due, additionally Best Buy some how had an incomplete mailing address to me/consumer. I immediately requested a review of the account, Best Buy said they corrected their records. However, upon further review I noticed my Credit Card limit reduced from {$1000.00} to {$430.00} ; I am not getting a clear answer why my credit report has been ran, when I did not authorize for anyone to run my credit reports. I do not think it is fair my credit card limit was decreased, especially if I did not receive notice by mail nor email. And Best Buy has not factor in Covid Pandemic and USPS delays etc. This is poor customer service ; Best Buy is showing me they do not value loyal consumers nor their credit card members. Furthermore Best Buy has failed to inform me of any changes to conditions and terms ; if this is their new business practice.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: NE
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-12-15
Company: EQUIFAX, INC.
State: PA
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I made a purchase with Ashley Furniture. At this time, they charged my XXXX  XXXX account {$350.00} and the remaining balance to my synchrony credit card. When the furniture went to be delivered, they didn't have the correct pieces and the transaction was cancelled due to non-delivery of goods. After the cancellation was completed, Ashley furniture still charged my XXXX  XXXX credit card and only offered a refund of XXXX instead of the {$350.00} I had originally paid. I then filed a dispute with XXXX  XXXX and had my money returned ; however, Ashley furniture now charged my other credit card for the XXXX that were disputed ( XXXX downpayment - $ XXXX {$230.00} ). I have been fighting this with both, the store and the creditor for almost a year and have exhausted all avenues. I am being charged {$230.00} for goods that were not received and have had to fight exhaustively to make it right with 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 2022-01-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/21 I got a loan estimate with a {$730.00} cash to close. The loan was locked on a 2 % rate. Then, on XX/XX/21 my loan estimate is updated to a {$5700.00} cash to close. And they added a 1.125 % loan amount for points. All of this was done with no change in circumstances. After asking for the manager it was corrected. However, it was very unprofessional to change my figures and hope I don't know any better. I hope others don't have this same issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN XXXX MY IDENTITY WAS STOLEN I FILED A POLICE REPORT. IN THE BEGINNING OF XXXX I STARTED TO SEE ACCOUNTS OPENING IN MY NAME XXXX XXXX WAS ONE OF THOSE ACCOUNT SO I DID ANOTHER POLICE REPORT AND PLACE THE FRAUDULENT ACCOUNTS ON THERE IT WAS INVESTIGATED BY XXXX XXXX POLICE AND THIS ACCOUNT WAS PROVEN NOT TO BE MINE SO IT WAS REMOVED FROM MY CREDIT REPORT. THIS XXXX XXXX ACCOUNT HAS REAPPEARED ON MY CREDIT REPORT WITH ANOTHER ACCOUNT NUMBER SO THAT IT COULD BY PLACED ON MY CREDIT AGAIN. IT IS THE SAME INFORMATION THAT WAS ON THERE THE FIRST TIME BUT NOW UNDER A DIFFERENT ACCOUNT NUMBER. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM MY CREDIT REPORT FREEDOM PLUS I HAVE NEVER OPEN AN ACCOUNT WITH THEM THERE ARE NOT WILLING TO ASSIST ME WITH THIS ACCOUNT. BECAUSE THE PERSON WHO OPENED THE ACCOUNT HAD ALL OF M INFORMATION.. WELL WHEN PEOPLE STEAL YOUR IDENTITY THEY CAN YOUR LIFE HISTORY THEY KNOW INFORMATION THAT CAN GET THEM LOANS OR CREDIT CARDS OR WHATEVER THE CASE MY BE. I HAVE SENT CERTIFIED LETTERS ASKING THEM TO SENT ME A COPY OF ALL PAPERWORK BEARING MY SIGNATURE OR REMOVE THIS ITEM FROM 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 2023-06-08
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing because I feel Freedom Mortgage is intentionally delaying my loss mitigation application. The lack of attention to detail and servicing has delayed my application to the extent that I have lost eligibility for several XXXX XXXX XXXX mortgage assistance programs. 

I have now submitted the loss mitigation application and supporting documentation on 4 different occasions. My first application was submitted XX/XX/2023. I have submitted documents per the request of their loss mitigation specialist on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received no less than 3 separate letters in the mail stating my application was incomplete with a due date to submit the missing documents but the letter arrive 15 days after the due date. 

I call the loss mitigation line once a week and have been given incorrect or misleading information each time. 

Freedom mortgage is refusing to offer mortgage programs that would allow me to place the balance owed at the end of the loan and maintain the current interest rate. 

These delays are intentional to force me into a longer loan term and higher interest rate to the benefit of the mortgage company. 

I have provided duplicate documentation repeatedly and with every weekly call am told that I have missed a document. I have asked for supervisor review of my application twice without a response from anyone. 

I have asked that ll correspondence be sent via email and letters continue to arrive late via USPS. 

The mortgage company claims to support veterans and their families but obviously do a very poor job of providing service to the less than 1 % of the their customer base.

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dates : pretty much all of 2019. 
Transunion credit freeze/unfreeze online never works, it always states status as " unknown '' and tells you to contact a number. The number is always answered by a person in XXXX or XXXX America and they ask for personal information ( SSN, birth date, etc ), I do not feel comfortable giving this information to someone outside the U.S.

When you ask for a number inside the U.S. they state they don't have one and can not contact you with the U.S.

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