BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 XXXX issued me a refund for some reason my bank Tusit posted it Friday night the post was gone I have called 3 times no one seem to know where the money is at. They keep telling me they have no record of it.

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 2019-12-11
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:
I have never had the CashApp or any Square Apps products or services. I have never given them my information or transferred nor received money from these services. 
On XX/XX/2019 my debit account with XXXX XXXX  was charged {$400.00} to CashApp with my name in the subject line of the withdrawal details. I have alerted my bank to the fraud and reached out all ways possible to CashApp and Square.

CashApp does not offer customer service to none members and Square has told me to contact CashApp. I want to make sure there is not an account in my name being used fraudulently. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
As recently as early this morning I received a call from very rude woman and this has been happening. I called and spoke with a polite man weeks ago and he advised that he escalated the matter and someone be calling. No one called and this harassment continues. 
The issue is that the threat is if I don't sign the certification of occupancy I can be foreclosed. This is extreme daily stress and worry that is illegal. I don't know what else I can do to stop this from happening. Reiterate that they even sent a man in person to get this information from me. Yearly this happens. 
This is not the first time. This is ongoing and I feel bullied by this company. 

I challenge the Executives to listen to how disrespectful and abusive their staff is. 

It is unreal that they call and get so insulting and nasty. The reason I am being harassed constantly is that they send out the proof of residency form which I promptly return. Then a gentleman who is quite professional comes to the house to bring the same forms. He can attest that I comply even though I have sent it in. 

Months later I am being harassed constantly and being abused by callers threatening me for the same information. I am receiving in excess of XXXX of these per week. A month ago I was so fed-up I signed yet another and they continue to come in the mail and the nasty calls continue. 

I will be filing with the federal agencies. This can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: LA
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:
This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.

XXXX XXXX XXXX XXXX XXXX

$XXXX XXXX  BANKRUPTCY COURT

Docket #: XXXX  

BANKRUPTCY COURT

Docket #: XXXX

BANKRUPTCY COURT

Docket #: 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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-03-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The account was a secured credit card for $XXXX but they are charging me $XXXX and reporting 21 charge offs to the credit reporting agencies. I have tried to contact them but they sent me a letter telling me to stop contacting them via phone or mail. Now I received a letter from a collection agency named 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 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX Credit card provided by Bank of America. 
I was charged a {$75.00} annual fee which I was not aware of until a month after it was assigned, as I had not used the card until this point. BoA had assessed an additional {$25.00} fee. I called customer service and spoke with a rep on XXXX. The rep assured me that they would remove the {$25.00} fee and the {$75.00} fee, then close the acct. Last week, I received notification that my account was past due and owed $ 75+. I called the customer service line. The first person said " no problem '' and cold transferred me to collections where the operator claimed that the {$75.00} dollar fee wasn't the annual fee but something else, and that interest charges were separate. Then tried to point to the amount due as from a purchase. I asked to speak with a supervisor. I was transferred to XXXX XXXX, Manager of Escalations with Bank of America. He was condescending and attempted to double speak his way through the conversation by correcting my word use re-branding his employees mistake by telling me that I was " misinformed. '' At no point did he deny that his employee had told me that the fee would be removed and that my account would be XXXX balanced. He told me that his employee had provided " mistaken '' information and that he was " sorry that I was misinformed. '' He stated that the annual fee was a " rule '' and could not be refunded, and that it would " destroy my credit. '' I informed him that his employee told me that the fee would be removed and the account closed. Now, BoA is insisting that I have to pay them {$78.00} ( {$75.00} XXXX ) or they will damage my credit. I informed him that this is extortion, which he shifted the blame onto me and said that the annual fee is non-refundable and the late fees have to be paid to bring the account current. I paid the fees rather than take the hit on my credit score. I monitor my score closely. It is in the high XXXX. I own a home and have purchased vehicles through financing. I am capable of meeting my financial needs and am not upset about the money. I am upset about the predatory and punitive assignment of fees, followed by extortion of further funds in order to close the acct

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 2021-11-16
Company: Upstart Holdings, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was a victim of Identity Theft in XX/XX/2021 with XXXXl accounts from multiple banks being opened in my name. I immediately reported it and started tracking my credit report and the fraudulent accounts to shut them down. UpstartXXXX opened an online account and made a fraudulent loan in my name with no effort to verify or protect my identity. I never opened this loan and I certainly did not accept the terms and conditions of said personal loan. They use no ID verification service, they requested no photo ID or other method of verification. Because they are online only, they never sent a copy of the loan by mail - that would have alerted me to the fraud. I didn't learn about it until 3 months later when I got a notice of default on the loan ( by mail, so perhaps they do send things to consumers ). Now I want to refute my liability for the loan that I never applied for and never received the funds, and it is difficult. Upstart 's ability and support in this area is lacking. They don't call you back and have not been helpful. I did recently receive a package with the loan details from them, but now they want my photo id, police report and FTC file - all which I have but it's infuriating that the burden is on the consumer to fix their broken process for making a fraudulent loan. Maybe they could have asked for photo ID when the fraudster opened the account? ... or made any effort to verify the identification? In addition, there are accounts attached to this loan that I don't recognize, but Upstart tells me that I need a subpoena to get that information. ( I need that information to likely shut down those accounts that were also opened in my name/SSN without my knowledge. ) How can an institution give a sizable loan without confirming the identification of the person applying? Where are the protections for consumers? Identity theft and data breaches are massive problems and Upstart doesn't seem to have the procedures in place to verify borrow identity and protect consumers. Furthermore, the lack the process in adequately supporting consumers when fraud does occur. 

Lastly, XXXX ( who is the actual creditor ) has a relationship with Upstart for their 3rd party personal loan processing and they have been absolutely horrendous to deal with. No identify/theft support at all. " Security '' people don't actually talk to customers and they made the loan ( through Upstart ) but have zero support to assist in the fraud investigation. The documents I received say Upstart/XXXX on company letterhead, but they have no process in place for fraud support and can't even look up the loan ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2022-10-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2019-12-11
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-01-13
Company: GUARANTEED RATE INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This company GUARANTEED RATE has continued to harass me. Calling me over and over after I have advised them to stop. GUARANTEED RATE have continued to harass me by sending mail to my Post office box. Now GUARANTEED RATE is sending mail to my Home address that I have never provided to them. Nor have I ever had any prior correspondence with GUARANTEED RATE with my home address. This is my 5th complaint to the Consumer Financial Protection Bureau regarding harassment within one year with GUARANTEED RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: MA
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 Cedit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cosumer reporting agency can not furnish a account without my written instructions U S C 1681 c ( 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 convictions of crimes which antedates the report by more than 7 years 15U.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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls from Ally Financial to other people who may know me after they have been told to stop calling by those other people.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  Trans Union and experience have all dropped my score 33 points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX  points down stating that it is a new bankruptcy when it is clearly not the case

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion is reporting inaccurate latenesses on my consumer credit profile from XX/XX/XXXX through XX/XX/XXXX on my XXXX  XXXX account ending in XXXX. When my accounts was in a Deferred/ Forbearance status. In addition, to Latenesses reported from XXXX XXXX XXXX As youre aware Section 4021. Of the CARES ACT states SEC. 4021. CREDIT PROTECTION DURING COVID19. 
( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. 
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;

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 2023-01-17
Company: Exeter Finance Corp.
State: IL
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:
My car was repossessed by Exeter Finance LLC on XX/XX/XXXX and after making contact with them several times, most recently on XX/XX/XXXX by phone, they have refused to give me my possessions that were inside of the vehicle without me paying off a portion or all of the debt first. I also informed them that I never received a notice of redemption or any other legally required notices about the repossession, intent to sell my vehicle, or instructions on how to get my belongings and over a week after informing them of this over the phone ( on XX/XX/XXXX ), over 3 weeks after my car was repossessed and my belongings were stolen, I have still received none of the previously mentioned notices or any physical mail from the company at all.

Company response to consumer: Closed with explanation