BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: DISCOVER BANK
State: RI
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: MO
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:
This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$1500.00}

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 2015-06-16
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinance my mortgage on XXXX XXXX, 2012 with Quicken Loans and I feel was excessively over charged to refinance my mortgage. My mortgage was with XXXX, XXXX but they do not refinance so they referred me to Quicken Loans to refinance my loan. My loan balance with XXXX XXXX was {$77000.00}, the total fees, cost, and charges by Quicken Loans were {$8300.00} which my new loan balance was {$85.00}, XXXX. I did voice my opposition to the {$8300.00} charges but the loan officer had the attitude and position of take it or leave it. About two months after my closing, Quicken Loans did refund me {$1200.00} admitting their error in over charging fess and cost that should not have been rolled into my mortgage. Quicken Loans since sold my loan back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Late last year ( 2022 ) Florida was hit with two back-to-back hurricanes which devastated XXXXXXXX XXXX XXXX Florida. A state of emergency was declared and millions were severely impacted by the back-to-back hurricanes. I am self employed and suffered a severe financial hardship as a result of the natural disasters. I called Lexus Financial Services/Toyota Motor Credit Corp shortly thereafter to apply for financial hardship assistance and was denied because the area I lived in did not qualify for financial hardship assistance due to the natural disaster. In other words, I lived " outside '' the area they deemed as affected by the hurricanes and thus did not qualify. Their decision to deny financial hardship assistance has resulted in my family and I struggling to keep up with payments while they use aggressive collections tactics ( including calling relatives ) to force payment. They have repeatedly threatened with repossession as we never seen to get caught up enough to get out of their repossession eligible status ( 50+ days past due ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I applied for a Barclaycard Arrival Plus Mastercard using my legal name on the application. Barclay could not give instant approval and communicated that the application was being processed. I did not receive any other communications or a request for additional information from Barclay. A card issued to my maiden name ( no longer my legal name, and never used on the application ) was delivered to me two days later ; I contacted Barclay to close account due to their inability to process my application accurately and my concern over their misuse of my information. When I contacted customer service I was never notified of any posted charges ( I contacted customer service the day after the card was received and had not set up an account online or activated the card ) and the account was closed. When I asked for confirmation that there was a XXXX balance on the closed account the customer service representative informed me there was a {$15.00} balance on the account for expediting the card. I asked for the fee to be reversed since the card was not issued correctly and the account was not set up using my legal name. The customer service representative said they were not able to waive the fee, and said they would submit my request for escalation.

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 2022-06-15
Company: EQUIFAX, INC.
State: TX
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, XXXXXXXX XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: CITIBANK, N.A.
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:
On XX/XX/2019, and XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding an inaccurate account on my credit reports from Department Stores National Bank/Macy 's, account number XXXX, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance, information, proof or verification methods to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. This account has never been authorized to be opened. 
I expect this account will be removed from my credit files immediately.

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 2016-07-01
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was sent a refund of overpayment on my Walmart card that was mailed on XX/XX/XXXX. I lost that mail in my car and I found it on XX/XX/XXXX. I tried to cash it at Walmart, and was told it was not honored because it was over six months old. I have been trying to get a replacement check since XXXX XXXX, XXXX. Synchrony Bank has strung me along every month since then, telling me to wait for one reason or another. I called today and spoke to XXXX, who said they called me on XXXX XXXX, XXXX telling me that they would not honor the check because it was over two years old. That was not true. I have never received a call from them. She then stated that I could call back, thirty days from the call I never got on XXXX XXXX. Today I 'm asking for your help to resolve this matter. I called Walmart costumer service, and followed the prompts which leads you directly to a Synchrony bank rep. 

Thank you,.

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 2023-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-06-15
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:
THESE ACCOUNT DO NOT BELONG TO ME XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTN : CFPB I need you to engage in enforcement action on my behalf against TRANSUNION. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold XXXX, TransUnion, and XXXX accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Transunion. I've attached proof that USPS delivered and signatures upon receipt. 
Transunion : XX/XX/XXXX, XXXX pm My request to block is not being made in error, nor is my request to block being made of material representation of fact by me relevant to the request to block the identified transactions. 

Identity theft account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX {$6800.00} Identity theft inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I mailed my disputes to transunion on XX/XX/2023. I received a computer generated response back from Transunion on XX/XX/2023. I contacted transunion by chat support and they gave me a form to fill out with my social and identifying information. After over an hour of chatting the refused to accept my mailed dispute and demanded that I dispute over the phone or by online portal. I told them I did not want to dispute online because it waives their liability. They are refusing to investigate and it is violating my rights.

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 2021-04-06
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My visa cash app card was charged 3 times today XX/XX/2021. {$210.00}, {$220.00}, and {$58.00}. My phone alerted me of the charges. They were at XXXX in XXXX, MA. I called XXXX security and they reviewed their footage and could see where the transactions were made, but there is nothing they can do. I reside in XXXX, TX. I reported to cash app as well and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX TD bank set up landlord tenant account for my XXXX XXXX XXXX, as required this account needed to have my name on it. I was not aware of this account as is the norm however I assumed my landlord would set up the account as was required by our lease agreement. 

On or about XX/XX/XXXX a new account appeared for me XXXX XXXX in addition to the one account I had with TD Bank. I had not seen this account before and was frankly surprised and confused by what it was. So I went to TD bank and they informed me that it was in fact my account my money. At no time did they indicate that this was in fact a landlord tenant account. On or about XX/XX/XXXX TD bank froze my account and set up a debit for over 4000 dollars. 
After I discovered this I went to the bank to find out what was going on and I was told that in fact the account that became visible available to me in XX/XX/XXXX was in fact landlord tenant account and the funds with that account I should not have been able to access at any time nor should I have been transacting any business on that account. 
So after visiting the branch in XXXX NJ I was put in contacted with XXXX XXXX from TB banks fraud unit he told me that account was frozen for unjust enrichment and acknowledged 1. My having access to the account is a td bank error and 2. That the landlord had filed an affidavit seeking the restoration of funds to the account. 
The account was Frozen from XX/XX/XXXX to XX/XX/XXXX the debit from my account caused the account to be over drawn. In addition my direct deposit could not be processed as TD bank indicated to my employer XXXX XXXX  XXXX that the account was closed. 
TD Banks behavior in this instance is outrageous. They would not provide me the affidavit they did not contact me prior to taking action and NONE of this would have occurred if TD bank had not changed made the error that created all of this. There was ZERO due process and zero communication with me. If there was I could have worked with the bank and resolved this issue without costing me overdraft fees and without messing up my direct deposit. I will pursue legal action ; that at this point is not in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, The report on Bankruptcy is incorrect. The XXXX was not filed/Discharge and it was DISMISSED dated XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller states that they are recording the call and they are calling from the Law Offices of Mitchell Bluhm. They present a birth date and ask me to verify it. During the first call, I stated I did not wish to be recorded and they hung up. During the second call, I told them I do not verify personal information to unknown callers and asked why I was being called. At that point, they terminated the call.

Company response to consumer: Closed with non-monetary relief