BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: OH
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 submittin this Follow up Complaint to the most recent CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File. I was a victim of identity theft as my personal information was used to open these accounts wihout my knowledge nor permission. I have made a lot of research and found that under the Federal Law, Fair Credit Reporting Act section 605b, the Credit Reporting Agencies, you, are required to remove any accounts and information that resulted due to identity theft. I have heard a lot of news nowadays that identity theft has become rampant causing many consumers to have unknown accounts and information under their name without such knowledge. I am requesting you to remove the fraudulent accounts and information being reported on my Credit File that have greatly impacted my Credit Score. Here is the list of the fraudulent accounts anf information that should be removed off of my Credit Report : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please remove the disputed accounts and information off of my Credit File as soon as possible. In the event you conclude that the disputed accounts and information belong under my name, please send me any documents proving such claims. In the event that you find no signed agreement, immediate deletion of the disputed accounts and information will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Rocket Mortgage, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quiken loans have called 5 time in two days. I called and they said I would be off the list but it has not happen. All different numbers they are calling from including my area code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I received a copy of my credit report and I have found unauthorized inquiries listed that are not related to any transaction by me. I am a victim of identity theft. Below are the banks where the inquiries were placed along with the date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
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: Reporting company used your report improperly

Complaint:
I am a natural person, I am the living human being. I have rights under 15 USC-1681. 

XXXX is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX According to 15 USC-1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts.

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 2021-09-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed all of my accounts in XXXX of XXXX. I have managed to pay off the balance in full on Ashley, Belks, JC Penny, Lowe 's, XXXX XXXX XXXX, Rooms to Go. I paid a " good faith '' settlement agreement to them for the PayPal credit card, and I had to file a complaint before I could receive the letter outlining the arrangements of that settlement agreement. 

I never missed a payment to Synchrony Bank until after all of my credit cards were closed at once, and they demanded the total amount of their money. To this date, I have not missed any payments with any of my other creditors. Even after my son was hospitalized for 30 days with XXXX XXXX XXXX, two of which were XXXX XXXX, I never missed a payment. It appears that they have an algorithm that they are using to affect minorities due to race disproportionately. There is no other explanation. 

I located the Sams Club card, XXXX XXXX, and PayPal Mastercard. I have not been able to locate the XXXX XXXX XXXX credit card. I have filed all types of grievances with Synchrony. On several occasions, I called and left a message for the following individuals at Synchrony Bank Headquarters : XXXX XXXX ( XXXX ) XXXX extension XXXX and XXXX XXXX at ( XXXX ) XXXX XXXX extension XXXX with no return phone calls. 

I request that you ask Synchrony Bank to provide me with information on how to pay for the TJ Maxx credit card. Please keep in mind that they have played all types of " malicious games '' with me since I started on this journey of trying to pay for these credit cards. They have some unsavory lending practices that need to be stopped. If my son was not XXXX and I am his only caregiver, I would seek legal action against them. 

In one final attempt on today, Sunday, XX/XX/XXXX, I contact TjMaxx credit/Synchrony Bank at ( XXXX ) XXXX and I was told by the representative to call ( XXXX ) XXXX and no one has any idea on how to pay my credit card bill.

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 2022-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a Bank of America credit card. They called me the next day and extended an offer for a card with a certain transfer limit and other conditions. This did not fit with what I was looking for and I declined the card. The bank opened the card anyway and transferred money from my other credit cards to a new Bank of America card without my permission. 

I called the company multiple times and was on hold for hours before I was able to file a fraud report with them. When I finally did get to file the report, I was told it would be investigated and someone would be in touch with me and that the money would likely be transferred back to the original cards. 

About 2 months later, I started getting phone calls from Bank of America saying that my account had been closed and that I was late on my first payment. I never received a single document about the fraud investigation. I have again spent many hours on the phone and have made multiple attempts to speak to the company, but every department I talk to says they don't know how to fix the situation. 

I have documented every call I have made and every person I have spoken to at BofA. I have made multiple good faith attempts to rectify the situation despite the bank fraudulently opening a card in my name. They have made no attempts to fix the situation and have wasted my time and money in the process. XXXX XXXX committed this kind of fraud against thousands of people as well, so I don't know how many other people this could be happening to.

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 2023-04-14
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: Reporting company used your report improperly

Complaint:
XXXX you are reporting inaccurate information on my consumer report. I have disputed the inaccurate names on my consumer report. The correct spelling of my name is XXXX XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of the correct spelling of my name. I demand that you remove or delete ALL other inaccurate names on my customers report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
XXXX XXXX is reporting on my personal credit file with XXXX and TransUnion credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agencies & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. Under the Fair Credit Reporting Act section 605b, I am requesting that the Credit Bureaus remove the disputed account reporting on my Credit Report : XXXX  XXXX Balance Owed : {$0.00}. If the Credit Bureaus believe that the disputed account belongs to me, I need the Credit Bureaus to send me copies of proof of verification as well as proof of address. In the event that the Credit Bureaus can not provide me copies of documents I seek, immediate deletion of the disputed account will be appreciated.

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 2021-09-20
Company: OneMain Finance Corporation
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:
I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, XXXX and TransUnion to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.

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 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This problem all started by my account having a temporary suspension of transferring money because of a reversal. When I called to get everything sorted out, they stated that I needed to verify my license through a link and everything should be settled. They stated in the call that I had a reversal and if I had another then my account would be closed and I stated I understood. However there was an error when sending the picture of the license and they can only send one link a phone call as the representative stated. She told me to call back to receive another link and process my account suspension being lifted. When I called back I received another link and the new representative stated the same thing about my account having a reversal and to be cautious. I stated I understood and she sent me the link. However, the website was under maintenance at the time I called so once again we were unable to process uplifting the suspension on my account. She told me just to call back in and hour or two so I could finally receive the link and process what I had been trying to do for six hours at this point. When I called back for the third time, and tried to receive my link, the third representative told me they were closing my account. He also told me I didnt have one, but three total reversals on my account! This was the complete opposite of what I was told by two prior representatives! And besides the facts, the reversal happened because I was moving money around in my primary XXXX XXXX XXXX XXXX account and didnt realize I requested the transfer before I started moving funds! Ive always had a great standing with my primary account and Capital One closing this checking account is extremely unfortunate! Please help me get it reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXXXXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXXXXXX XXXX : ACCOUNT # XXXX & XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me, XXXX XXXX then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to XXXX, XXXX and TransUnion on XXXX XXXX to validate some items on my report. I also sent in another later demanding to comply XX/XX/XXXX. I still haven't received a update or any correspondence. I would like these items removed, since they are neglecting my requests.

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 2023-08-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I applied for a loan and was scammed with a fake cashiers check. Because of this it caused my account to go into the negative. Tried talking to bank, they said usually when things like this happen we end our relationship and close the account. The account was not closed and continued to accrue fees from the bank. Then it was closed and charged off into collections. I deposited XXXX $ or so to open the account and then never used it otherwise one time other than the scam loan thing and they charged it off for over XXXX dollars. I planned on getting my opening deposit back, not paying in for no reason at all.

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 2021-08-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 To Whom It May Concern : We sent a detailed complaint letter to Navy Federal Credit Union ( NFCU ) prior to filing this complaint with the CFPB. The response was short and did not address the points that we requested in our initial letter. In fact, they took over 2 months to create a one-page document. In particular, they failed to investigate the behavior of the loan officer and function of the appraisal appeal process as well as how they select appraisers. 

As we mentioned in our initial complaint, the appraiser had an unprofessional website. Also, in the time since we filed our initial complaint, the appraisal firm selected by NFCU has apparently went out of business. We questioned the legitimacy of the firm in our initial letter as mentioned previously. 

Further, after we did a quick check, the business is not in good standing with the State of Maryland. 

NFCU did not address our concerns with the appraiser or the appraisal process in general. Frankly, this is unacceptable as the letter was specific and polite. It deserves an adequate response at the minimum. As stated in the complaint letter, we requested a refund/revaluation of the pricing for the loan. 
They have ( initially ) refused to do so. However, we still believe the appraisal was poorly done and needs to be revisited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation