BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX financed through XXXX sold and no longer ours as of XXXX XXXX. Payoff via XXXX to XXXX! Let us all see how long it takes to go onto my and my daughter 's credit to improve our score and debt to income for all of us????

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 2023-11-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My friend XXXX had invested with XXXX and was receiving great returns which she confided to me and referred me to a man named XXXX who was an agent for XXXX. 
I invested USD XXXXXXXX XXXX XXXX  on XXXX XXXX to send to XXXX  for their 60 day XXXX XXXX XXXX XXXX XXXX which would mature on XX/XX/XXXX. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX matured but XXXX from XXXX said she had to pay a 15 % fee of over {$1.00} XXXX in order for her to collect her funds and the money could not be deducted from her investment. 
After she contacted Authorities, they verified this whole website was a scam. When my account matured on XXXX XXXX, XXXX told me I owed a 10 % fee. After I complained he said his bosses would allow me to pay 5 % fee to collect half the funds, then I could pay the other 5 % to collect the rest. Having known the results of the investigation of XXXX 's situation, I figured he was trying to get more money out of me with the 5 % fee promise. This scam has caused me great distress and financial hardship

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit report pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I received my report I was caught by surprise with a couple of items on my report I have never heard of in my life. The things listed on my application do not belong to me. Please remove the items from my report. 

XXXX XXXX XXXX  XXXX  XXXX {$790.00} XXXX XXXX XXXX {$22000.00}

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called XXXX, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ XXXX' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " XXXX miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.

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 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have several checking and savings accounts with Capital One Bank. Most recently, I set up a Performance Savings account, which is supposed to have a 1 % APR yield. After reviewing the account, I am only receiving a 0.40 % APR. After speaking with a representative, they stated that they are not obligated to maintain the initial APR offering. My checking, savings, and performance savings accounts are all receiving less than half of what they are supposed to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: United PanAm Financial Corp.
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:
I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX UNITED AUTO CREDIT CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
CAPITAL ONE AUTO FINANCEhas been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CAPITAL ONE AUTO FINANCE did not disclose that it was an attempt to collect a debt. CAPITAL ONE AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CAPITAL ONE AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. Also CAPITAL ONE AUTO FINANCE is 15 USC 1692k ( a ) ( 2 ) ( A ) civilly liable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is to follow up on any response from Transunion after days of investigation. As I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Transunion has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the following accounts : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX BANK 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 2022-07-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is to follow up on any response from Experian after days of investigation. As I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Experian has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the following items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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 2023-10-12
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit bureaus are not responding to my letter I sent and I've sent multiple letters to them. On XXXX I sent a letter to the credit bureaus because there inaccurate information and items on there that i'm not familiar with and its past 60 days and I've yet to receive a response. I know due to covid there may be some delay but there is no way it should take this long. I found out that their failure to investigate the items within a specific time period ( 30 days ) to research and respond per Section 611 ( a ). It has been over 60 days they should be deleted from my credit report. I recently pulled my report and saw the inaccurate information and it is crazy that they are not responding. This is stressing me out and I'm hoping you can help so i don't have to file for litigation because their failure to respond. My information may be used by someone due to the XXXX  data breach. Please help me get a response.

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 2021-01-04
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was fired from my job in XXXX 2017 and it was a bit of a struggle over the course of the next few years. I did my best to not fall behind on payments, but a few late payments did occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have attempted to get my Transunion credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. The file number listed is : 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 2021-08-26
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was doing a refinance of my residence with Sofi home loans. The property is XXXX, Texasd. The day of closing Sofi adviced me that they had to do a re-inspection and handrails needed to me added to my property back staircase. At no point did they contact me to tell me of an issue before the day of closing. I asked my loan officer to give me a copy of my appraisal which i had paid for and had been performed by XXXX XXXX XXXX XXXX based out of XXXX, Texas ph ( XXXX ) XXXX. She said she could not do that because my loan was in re-inspection. Can a lender deny me a copy of an appraisal that i paid for?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was reviewing my XXXX checking account and noticed I had Non-sufficient fund transactions ( NSF ) actions on XX/XX/XXXX, XX/XX/XXXX where there were clearly enough money to pay the minimum payment amount that I authorized to be withdrawn monthly for my minimum payment amount to Sears Citi. I called my bank to address the XX/XX/XXXX and XX/XX/XXXX transaction and they agreed that something clearly was not right about the transactions being that there was ample funds in my account, and all of the previous authorized monthly payment from Sears were withdrawn from my account ok. Unsure what happened they agreed to investigate. On XX/XX/XXXX, I checked my XXXX bank account for review and noticed another NSF fee from another Sears transaction dated XX/XX/XXXX. At that moment I immediately phoned Sears ( recording stated call was being recorded for training purposes ) to find answers on why my authorized minimum payment was not being withdrawn from my bank, and why I was accumulating NSF transactions when there is clearly funds in my account. The representative then informed me that Sears was attempting to make a withdrawal from my XXXX account in the amount of XXXX dollars for the balance of a promotion from XX/XX/2016, which I did not authorize Sears to withdraw any money from my XXXX account at the end of the promotion. I never received any call or mail correspondence in regards to authorizing Sears Citi to withdraw money from my XXXX account for balance from a promotion, and found this action to be truly unlawful and warranted legal action with punitive damage ( recurring NSFs can be detrimental to my home buying process, employment, and my good history with my bank ). Decided to contact CFPB to ensure that myself and other law abiding citizens are not being tricked, as well as have unlawful, unauthorized bank account withdrawal by Sears Citi.

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 2023-01-26
Company: EQUIFAX, INC.
State: WI
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:
told me informations on all three bureaus are correct but its not all have conflicting accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Investigation took more than 30 days

Complaint:
Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on itas well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : 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 Reason : Unverified account

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
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:
As I was reading through my Clairty consumer report I seen a total of 8unauthorized inquires that I did not get no benefit from, nor do I have an account with. I never gave none of these companies permission to check my credit report and report this in my consumer report, nor I did give Clarity services authorization to give these companies a copy of my report, Clairty services never informed me they received any request that never gave me a decision if I wanted these companies to have a copy of my report. The fact that these companies checked my consumer report and put information inside my report without my consent is indeed identity theft.

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 2023-01-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX. XXXX XXXX has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: NY
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:
My name, SSN, DOB are being used to open accounts fraudulently. Ive submitted documentation to the three credit bureaus and the accounts still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm a victim of Identity Theft, There are XXXX cash app accounts open in my name that I'm not aware of. the cash app symbol name is $ XXXX that I didn't authorize to open in my name and the XXXX cash app account i'm not aware of is $ XXXX

Company response to consumer: Closed with explanation