BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-09-11
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
i was a victim of identity theft i use my information to open credit card accounts with best buy and macys they are from the same bank citi bank, they have been calling me regarding a debt and sending letters to my house, without me authorizing those cards now They want me to pay accounts that were not authorized by me, accounts that I do not personally use, please I need help to solve this problem.

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 2017-06-15
Company: AES/PHEAA
State: CA
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:
File several recertification applications with  FedLoan  for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get  FedLoan  to process my recertification application in a timely manner. I am endanger of defaulting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: Block, 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:
basically somebodhy stole my XXXX  and i imedietly started calling my XXXX XXXX XXXX and other apps or contacting them in order to block my accounts or cards. my problem was with cash app, i was unable top reach a human, which at the time was not a possability as cash app did not have real people to talk to or offer. i had to log in to the app in order to do so but all i was able to do or allowed to do was send an email. it took cash app 1-2 weeks to contact me but instead of blocking theives, protecting my funds, bitcoin and stocks, cash app practaces allowed for a perpetrator to hack into my cash app, use my email, my phone number to change all my info with cash app and lock me out of my account. still today 2 years later after openig cases, filing police reports, sending a detailed report to cash app, sendinig my identity and going throuogh cash app idenity process, after opening a new account with my same info that was higjacked, after all of this and still attemtpying to contact cash app about it. there ianswer is that they can not allow acess to the account, they can not help me in any way and basically not allowing me acess to my half a bitcoin, multiple stocks, and cash in the app, basically robbing me and not giving a care in the world. at the time the value was close to alltogether aroundf XXXX with XXXX of it bitcoin the value of that coing XXXX to around XXXX monts or weeks later. it was all the money i had, it was everything..but i dont know what was stolen or what is still there in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed in XXXX unauthorized inquiries and one account that is not mine. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX  unsecured personal loan account # : XXXX for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After an email and text message from Experian notified me of a change to my credit score ( XX/XX/21 ), I reviewed it on their app. My score was lowered 38 points for reasons no one at Experian could explain. Nothing in my credit history has changed. After being transferred from one department to another ad nauseam, I initiated a complaint. There have been no updates, notifications or even acknowledgement of receipt of the complaint since the XX/XX/XXXX filing date. I checked the Experian App recently and discovered my credit score for XXXX had been lowered 21 points. Instead of wasting my time dealing with Experian again, I called XXXX directly and was informed that my score had not been lowered by them. Also that Experian uses a different formula or algorithm to determine credit scores. So there is one score listed for XXXX on the Experian site and another one that is higher on the XXXX site. To me, thats unbelievable. Especially since Experian had no explanation for the drop in my score and after sending me around in circles to get an explanation actually suggested I enlist the services of a credit counseling agency that could explain why the score they reported was reduced 38 points. So, I need to pay an outside agency to explain why Experian took this action! Preposterous to say the least. Do you oversee such shenanigans? 
Another issue Im raising is the fact, Experian bombards me with credit card offers presumably to increase my available credit limit. This seems like a conflict of interest to me. 
Its unfortunate I have to enlist your assistance to deal with an issue Experian originated but can not or will not explain. It smells of a certain arrogance by Experian since they are regarded as a leader in the industry. I sincerely believe this would be totally unacceptable from some other credit reporting agency not fortunate enough to share the status of Experian. 
Thank you for your time. 
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 explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions Inc.
State: HI
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:
My loan payments were always sent on time. I keep explaining this to XXXX and Experian but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my 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 explanation
Consumer complaint received 2018-06-07
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed XXXX account XX/XX/XXXX in XX/XX/XXXX i learn my credit score has been impacted by an unpaid bill over {$300.00}. i was never late a payment in 6 years with XXXX but now this bonus.I never received mail. I am not convinced I owe this because I have not had a phone active with XXXX since XX/XX/XXXX XX/XX/XXXX. the collection agency called a couple dozen times a day. i switched carriers because XXXX coverage was bad and they would not fix the gaps. i was missing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX lease was on hold in forbearance and the told me one date. Next thing I know I called them to check status and they said I t was late to make foulest payment. I made a payment for two months. They reported 7 days after I had made the payments to make it current.

I never was late! Always paid on time.

I want to dispute this in my credit.

I will dispute this until they make it right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2017-06-15
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We requested an appraisal to be completed in order to rem ove the Private Mortgage Insurance on our loan. The appraisal was ordered and when the appraiser came to do the appraiser he made comments such as " expect my appraisal to be significantly lower than what you expect '' among other inappropriate comments. Once the appraisal was received the amount was significantly lower than expected. Upon review of the appraisal it was realized the   appraiser made significant errors during the appraisal. This included inputting the incorrect number of bedrooms and the incorrect square footage of the house. These errors had a direct impact of our house not appraising for the appropriate amount. I contacted US Bank to dispute the appraisal. I followed their protocol for the dispute and they had me send in documentation to show why the value was incorrect. I sent in nearly 30 pages of documents including proof the bedrooms and square footage were incorrect as well as other comparable homes in the area that were more appropriate to use for comparison value. US Bank then rejected my dispute and simply reiterated that the appraisal was correct and the value stands. They said that I sent in too much documentation for them to review. I then called them and showed them in the appraisal where the appraiser had incorrect data. They agreed the information was wrong in the appraisal, however they said that once one dispute was done there was n't anything else they could do and the value stands even though there were errors in the appraisal. I attempted to escalate this and was told the only thing they could do was send this to the " independent third party '' company who handles their appraisal process and see if they would override the value. I did research into this company and they are wholly owned by US Bank. I was told I would receive communication about this process and never did. When I reach out now I am told the case is closed due to only one dispute being allowed.

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 2021-05-12
Company: TD BANK US HOLDING COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Good day, I am a XXXX citizen but opened a cross-border bank account with TD Bank around XXXX, XXXX. 
I initiated a transfer from a colleagues XXXX account to my TD Bank account for around {$17000.00} USD. 
Every week proceeding the opening of the account I would go to the branch to find a reason as to why my money is on hold and why my account is frozen. 
The cross-border banking agents for TD Bank would then lie to me over 2 months saying my XXXX form was filled incorrectly. 

After the 10th time I submitted that form and wasting time at the branch, I was finally told my account has been " demarkated '' around XXXX, XXXX. 
I have then wasted counted hours/days on the phones with TD Bank customer service and their cross-border banking team with no progress at all. 

They have held my money ever since and I have since given up hope of ever seeing my money returned to me. 

Any help would be most appreciated, Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: N.A.R., Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt owed in the amount of {$1500.00}. I contacted the Debt Collector, North American Recovery, to begin the repayment process. I paid {$400.00} immediately, and entered into a payment plan to pay the remainder ( roughly {$32.00} every 2 weeks ).

I received a document indicating that roughly {$860.00} had been paid or credited to my account, which seemed to me that the company matched my initial payment with a credit. However, they indicated that I still owed roughly {$1100.00}.

I have contacted them at least 3 times regarding this discrepancy, and I have continued making payments during that time. On one occasion I was told that my concern was escalated and that I would be contacted by a supervisor ( I was not, despite providing my contact info ), on the second I was told to email XXXX with the statement I was sent as well as any other relevant details. My third attempt to resolve this involved me emailing the above referenced email on XX/XX/22, and I was told by my representative over the phone that I would hear back within 2 weeks. The automatic reply email I received indicated I would hear back within 30 days. I was never contacted during the 2-week period after the phone call. The 30 day period passed, and I still had not been contacted. I followed up via phone and was not provided any additional information.

Per the company 's own communication, I should owe {$400.00} less than what they currently declare my remaining balance is. I have given them ample opportunity to respond, and made a good faith effort to address this issue, and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SYNCHRONY FINANCIAL
State: FL
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:
My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : SyncXXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I XXXX be reached at XXXX to confirm

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 2021-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked repeatedly for Portfolio Recovery to provide documents about my debt. I am unable to dispute anything which maybe incorrect with out the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
From XX/XX/2022 - XX/XX/2022 DISCOVER has been in violation of federal laws by adding late payments on an unexplained adverse action of the account. DISCOVER closed the account and then begin reporting late payments which is a violation OF FCRA. ALL balances and late payments that has been reported are inaccurate information. Also, they have recently stated that the account is 120 days late but is also reporting the account as 150 days late which is also incomplete and inaccurate information. I have sent several notices to DISCOVER regarding the inaccuracies of the account, but they have yet to resolve the issue and continues to report damaging information on my credit report causing me to be unable to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Previously reported this company to XXXX and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a XXXX  person.

Company response to consumer: Closed with explanation