BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXX XXXX XXXX  acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per violation.

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 2022-06-21
Company: Experian Information Solutions Inc.
State: AL
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:
Many companies invaded my privacy I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies

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 2023-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, I'm asking for this help because I'm new to the country. I've been around a year or so and since I knew that when a loan is requested, a hard inquiry is made, I have several and I would like to know if there was a possibility that they could take them away from me since this is causing my credit score is not progressing as I would like. That is why I ask for your guidance and support. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE

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 2023-01-31
Company: EQUIFAX, INC.
State: MA
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:
On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: LEXISNEXIS
State: TN
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:
On XX/XX/22, I alerted the consumer reporting agencies that I am a victim of identity theft. XXXX XXXX says that you must remove and block any information from the file of a consumer that the consumer says is a result of alleged identity theft within XXXX XXXX XXXX It has been well beyond XXXX XXXX and the accounts remain. Also XXXX XXXX and XXXX have charged the fraud accounts off and sold them to collection companies. It is illegal for a company to report a charge off. The XXXX considers this income. This is tax fraud. This is also a violation of XXXX XXXX XXXX XXXX b by not reporting accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX says that you can not furnish an account without my written consent. I have not given anyone written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NV
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 the accordance with the fair Credit Reporting Act. the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States : it also states that 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 the 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 reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to Privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started getting bills from XXXX XXXX saying I had a account I called them and told them that they were wrong my name was hacked I reported it made a police report called them back gave them the information and they still continue to send me bills

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 2022-11-24
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called cash app and and anger called me back. In could not access my account. XXXX XXXX  .My customer paid for uniforms and mistakenly sent the funds to the wrong cash app ( XXXX XXXX ) XXXXThe agent told me to open new account and they would send the funds to that account. They also advised me to contact a person I transact with to in order t ok bc verify that the funds wo up ld transfer there if not I'll by ok no ee account. XXXX XXXX was the person I chose. Her acco in by was hit as well as and put in n over draft too.The attached documents are the activity logs from my cash app. My account was over drafted {$600.00}, and hers {$1900.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In regard to Equifax Data sharing policy, I have called multiple times to resolve the issue over the phone. I am concerned and again am now raising a concern and inquiring to the XXXX XXXX XXXX account on my credit score account provided by equifax. I am again requesting a copy of the consent Equifax is claiming they have for sharing my data. you did not give me the opportunitiy to opt out nor did you clearly and conspicuously state that I was opting in. You did not tell me how to exercise how to opt out. I never gave consent. you did not respect my right to privacy. Equifax did not exercise their grave responsibility. You were unfair and partial and never had permissible purpose. Title15 ch. 41 & 94 subchapter 1 & 2 15 USC- 6802 15 USC 1681a3 & 1681a4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a " XXXX XXXX '' credit card through chase. In exchange for the annual fee, I am supposed to get a free hotel night. I received this benefit in the past. However after the fee at the end of 2021, I did not get this benefit. This appear to be a technical problem, but during my call with XXXX they locked my account and each time I call and explain the problem, they hang up on me. They demand a photo ID with current address though it is not mandatory in Illinois because XXXX are not operating at full capacity and I have provided them with the online address change acknowledgement letter from XXXX as well. While Chase representatives understand the problem, their claim is that they have nothing to do with XXXX, though they charge the fee in return for the services XXXX doesn't provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a Bank of America prepaid card for XXXX XXXX back payment deposits in XX/XX/XXXX. On XX/XX/XXXX and XXXX my account account was fraudulently used to transfer XXXX on both occasions to a fraud account False information was entered into my online accountemail, bank XXXX, and phone number. I cancelled the card and opened a claim. The claim number was XXXX. 
On XXXX, the transfer from XXXX was reversed and restored to my account. 
However, Bank of America denied my claims to reimburse the stolen funds of XXXX from XX/XX/XXXX. I requested a reconsideration on the first claim for XXXX and it was denied a second time. 

On XX/XX/XXXX, with a replaced card, the account was compromised and this time a fraudulent transfer of XXXX was made using a fraud bank account. My account had been compromised with a false account number, email address, and phone number. All of this I could see under my profile information. I made a claim/dispute on XX/XX/XXXX. The claim number was XXXX. 

I provided Bank of America with the fraudulent account number ( I could see it in my online account ) and the fraudulent phone number. 

On XX/XX/XXXX, I called Bank of America for status and was told that the claim was denied. 

I cancelled the card again and received a new one, which I am afraid to activate in case the same fraud reoccurs.

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 2023-10-09
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage sent me an email about my payments coming up. On XX/XX/23, I attempted to reach out to them about information and they did not answer after waiting forever over XXXX minutes. I called again and same situation. I wanted to understand what I needed to do. I did my IDR certification for my new income and was not given any information on that date. Yesterday, on XX/XX/23, on a XXXX, I get an email that a payment of {$450.00} is expected in 5 days when my previous payment was {$0.00}. I want to pay back my student loans but I am unable to handle a brand new {$450.00} payment that I have had no notice about. I have been unable to contact Aidvantage, they have not sent me any paperwork. The company has no customer service and their email us option does not actually even email them. They are directly misleading people and are unwilling to perform the work they are supposed to in servicing these federal student loans. A bank is not allowed to change your payment and then demand money within 5 days. The CFPB regulations themselves require at least 21 days. Why is this awful for-profit company that is servicing federal student loans not bound by the same laws that every other financial company is? And more importantly, why are they not willing to speak with me about any of it? I feel like they want me to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I earned to check payments from the cafe I work. My boss forgot to include one letter of my last name on my check and when I deposit it CITIBANK blocked all my accounts. I have rent to pay I have bills to pay but CITIBANK is not any bit of help. There is always a problem with verification or god knows what, the representitives are rude and not helpful also. Once I was tring to tranfer my school payment but there was a problem according to the representitive on the phone I had to call my bank from the number that was in the records which I was doing for about 6 times!!!!!!!!! When I called the bank they said that I should send the money with XXXX, the amount was {$15000.00}!!!!

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 2023-01-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Repossession due to incorrect billing and fees.

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 2022-06-21
Company: Social Finance, Inc.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please see the screenshot I took on XX/XX/XXXX at XXXX XXXX. XXXX. before sending the email to Sofi on that same day inquiring about the missing points for the recurring crypto purchases made on XXXX, XXXX, XXXX & XXXX. At that time the terms for the crypto did not specify a minimum purchase of {$10.00} as they do now. If they indeed did change the requirements on XXXX, they had not updated the verbiage publicly as of the XX/XX/XXXX email I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was transferred to Nationstar Mortgage XXXX on XX/XX/XXXX. ( Loan # XXXX ) The information from XXXX to Nationstar seems to have been delinquent.. 

I have never had a lapse in homeowners insurance and have sent this to them on several occasions. 
Nationstar has repeatedly hung up on me and transferring me to several different people. 

On XX/XX/XXXX they provided an escrow review statement showing a negative {$4100.00} in the account and also proceeded to purchase XXXX XXXX XXXX in the amount of {$2800.00}. 

They raised my Mortgage payment from {$2400.00} to {$2900.00}. 

Since then I do not see any monies from the hazard insurance they purchased deposited back into the escrow account and they refuse to re-analyze my escrow to get my mortgage payment back to what it was. ( I believe when I request an escrow analysis they are to perform XXXX by law. I get hung up on the phone. 

Additionally I did request them to do this via their message center on XX/XX/XXXX and they just responded me to call them. 

XXXX ( XXXX # XXXX ) also bought XXXX XXXX on XX/XX/XXXX in the amount of {$2800.00} and XX/XX/XXXX for {$620.00}. 

I have always had insurance on my home. 

I paid XXXX {$820.00} on XX/XX/XXXX and {$920.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation