BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a loan payoff amount to payoff my loan. I sent a cashier 's check to payoff my loan and the check was confirmed delivered on XX/XX/XXXX - the delivery was signed for by a XXXX XXXX at BSI. I've been calling and emailing them since that date ( 6 weeks ago ) asking about the status of my check and payment. I've gotten no answers and have been bounced around to different people with no results and now I have another payment due even though I've already sent a check for the full payoff. This is completely ridiculous and a mortgage company should not be allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under

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 2022-03-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX 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 consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2020-03-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, I have disputed with Equifax, XXXX  and XXXX  erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
In XXXX of 2020, I had four discrete Cash App transactions where funds for the transactions were both debited from my Cash App cash balance and also from my linked checking account # XXXX at XXXX XXXX. Transactions as follows : XX/XX/XXXX XXXX XXXX {$7.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX ATM {$25.00} XX/XX/XXXX XXXX XXXX {$50.00} Total {$180.00} I paid twice ( XXXX +XXXX = XXXX ) the payees received payment once ( XXXX ). leaving Cash App with ( XXXX -XXXX = XXXX ) as surplus  which should be refunded to my Cash App cash balance as I no longer have the linked XXXX XXXX checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In moving documents from an office space that I used to occupy to my home office, I found stub to a Wells Fargo cashiers check payable to me from XX/XX/2017. I had accounts at Wells Fargo at the time but never received the check in question. I have now asked a banker at the Wells Fargo XXXX XXXX. XXXX branch, XXXX XXXX, to provide me with information on the amount and disposition of the check now on three occasions. Getting absolutely nothing from Mr. XXXX ( actually telling me that the check stub was only a piece of paper and asked to leave his office ) I solicited the same information from XXXX XXXX at the nearby Wells branch at XXXX and XXXX and have received no feedback from him either.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After beginning to pay off my loan with XXXX/Navient, I had paid additional money to pay down the principle of the loan faster. This money was not correctly allocated and only pushed forward my payment due dates. By the time I had discovered this, I had accrued far more interest than was necessary. Additionally, when contacting XXXX/Navient to fix the way that this allocation was being made, it was made extremely difficult to have the money allocated in a way that would make the amount of interest I was paying lower. Navient consistently ignored my requests despite several calls to their service center asking for my extra money to be allocated to my highest interest loans and for the minimum to be paid on each of my others. When calling and complaining about this issue, I was told that I must have given incorrect instructions or that I had not provided the correct information for the payment to be processed correctly despite using the exact methods that I had been told to use in my previous conversations with customer service representatives. I believe that these were intentional efforts to force me to pay more interest on my loans and that XXXX/Navient are defrauding XXXX Americans who are simply trying to make good on paying for their education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX XXXX XXXX Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, Experian and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.

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 2022-03-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXr XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EDXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXy 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2022-03-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Dates- Every month they report on a closed account. Sent letters to all XXXX credit bureaus and the company is still reporting on this closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
There is NO option for cancelling the credit monitoring service on the online portal. When I searched and finally found the telephone number to call the call was routed to an overseas call center where I could barely understand the representative and TransUnion makes every attempt to thwart cancellation of the credit monitoring service. I provided my login, my order number, my name, my DOB but I refuse to provide my Soc. Sec. Number. This should have been more than enough information for them to cancel the NEVER disclosed ongoing charges but they refused. I finally hung up because I could not understand the representative and all she was doing was going round in circles asking for more personal information, or in other words 'phishing. ' Transunion NEVER disclosed this was an ongoing " service '' and refuses to cancel the account without me disclosing far too much information. More it seems that I had to disclose to sign up for their " Service. ''

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 2022-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XX/XX/2022 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. Also, Please do not add any fraud alerts on my credit profile.

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 2018-06-05
Company: GFS II, LLC
State: MO
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:
There was a unauthorized inquiry on my credit Bureau report on XX/XX/XXXX upon review of my credit report i notice a high amount of inquiries that i did not recall. i also had my identity stolen along with accounts opened along with credit applied for. i requested for proof that the company had permissible purpose to obtain a copy of my credit report i was informed that hard inquires wont be removed unless its with a police report however permissible proof was never provided. This request and replies happened XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the COVID19 pandemic, we explored our options with this company to help alleviate the stress of paying our mortgage. My husband applied for a forbearance plan and was approved, according to LoanCare. We have called several times because we keep getting loss mitigation letters in the mail. We have yet to receive anything confirming the plan. They claim that we will get something soon. They seem to be in a rush to damage our credit but not in a rush to send out the forbearance approval letter.

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 2017-05-25
Company: Bliksum, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
About a year and half ago, I took out a Personal Loan in the amount of {$3100.00} from XXXX XXXX, and my payments are {$350.00} a month. In XX/XX/XXXX, I called to discuss the loan and request a pay-off amount at that time over the phone I was quoted {$3100.00}. I asked the representative how that could be possible if I have been paying the loan on time every month for the last year and a half. The representative stated that when they provide personal loans they advise borrowers to pay more than the amount due in order to bring down the principal sooner than disclosed in the Schedule of Payments. At that specific point in time, I didnt have time or energy to research the issue any further as I was in the middle of selling my house, re-locating, and burying my parents. I called XXXX on  X/XX/2017 to obtain a new pay-off quote as now that all is settled, I would like to pay the loan off. When I spoke to Customer Service and requested a pay-off amount, I was quoted an amount of {$3200.00} over the phone. To my surprise, this was more than quote 2 months prior to XX/XX/XXXX, and 2 payments had been made since. I asked the Representative how it is possible that the amount went up instead of down based on the payments made timely, and the Representative stated that I have some type of daily interest accruing on the account. I advised the Representative that I was very upset, and I felt this is abusive and predatory lending. I have been paying on this loan for a year and half, and the amount due now is more than what was originally borrowed. I advised the Representative that I would be filing a complaint formally stating my stance and concerns with regards to this loan. I requested to obtain a copy of all the loan documents in my file as well as a full payment schedule. Its no wonder I do not recall anything about the daily interest or the APR on the loan itself as none of the documents in my file have my signature on them. I fail to understand how XXXX XXXX can hold me liable to terms of a loan that they do not have my signature authorizing the same. I do not deny that I borrowed the money, but I believe XXXX XXXX is taking advantage of consumers who care and pay their loans on time. I would like to review the possibility of having all the payments I made re-adjusted to principal in a manner that is not abusive and predatory in addition to fairness to the consumer. I have attached my loan documents for your review of this Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a listing for a {$300.00} debt turned over to a collection agency ( XXXX ) but the debt was paid in full directly to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Adding money

Complaint:
i discovered a card that had expired and was not told when purchased that card had expiration date. company ( chase bank ) refuses to honor card which obviously gave bank a {$100.00} profit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 18XXXX XX/XX/2022 TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX To whom in may concern : Please remove the extended Fraud Alert on my credit report. I do not want it. To verify my identity and address, Im including a copy of my drivers license, social security card and a recent bank statement. 

Thank you, 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 2017-05-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX XXXX I bought a brand new XXXX from a Toyota of XXXX XXXX XXXX through Toyota Finance Service ( TFS ). The car turned out of a brand new - it is UNWIND. So I returned the car on XXXX XXXX XXXX because the dealership did not tell me it is UNWIND car for some reason. The dealership told me I should get my money back within 2-3 weeks and told me not to pay my second payment. On XXXX XXXX, I got a phone call from Toyota Financial Service ( TFS ) about my payment. I explained to customer that the deal was cancelled and I should got my first payment back. On XXXX XXXX XXXX, I got another call from TFS, I explained to her again, then the phone call was forward to Customer Resolution (? ). XXXX XXXX told me she will report to Credit Report as Volunteer Surrender within 24/48 hrs. I have asked her to call the dealer to confirm the fact. She told me she does not have their address and phone number. I have to provide that to her. This info should be in the loan docs. I have to search and provide her that. She told me to get the proof that the car was previous owned. I told her I dont have this information because at the end of XXXX, the dealership asked me to sign DMV paper again because I have not received the license plate. He asked me to sign a paper that stating the car was previously owned because it is UNWIND. I told him no and he left the office more than 10 min. so I left the dealership and then email my salesman that I want to return the car because it is not new for my son. My family is very upset that they sold me previous owned car. I have requested XXXX XXXX to email me when she will put bad credit report on my report. As of now, I got nothing from TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX reported incorrect payment history on my account. XXXX 2013 payment was not 30 days late. need payment history verified.

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